23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I was wondering why the furnisher is reporting this account as accurate when they dont have legal status to do so. 

XXXX | XX/XX/XXXX : Account number : XXXX, Untimely. Fix the balance information. 

XXXX XXXX : Account number : XXXX, Untimely. Fix the balance information. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX Untimely. Fix the balance information. 

XXXX : Account number : XXXX, Untimely. Fix the balance information. 

Im not a lawyer or anything but if a furnisher doesnt own the account anymore, then how can they validate it? This account is clearly inaccurate. 

Please fix, modify, update or delete this inaccurate information.
Product: Credit reporting or other personal consumer reports

Account XXXX : XXXX Account XXXX : XXXX Reason : I don't recognize this account
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation which involved me making deposits for a total amount of XXXXXXXX XXXX from XXXX XXXX XXXX XXXX account to JPMorgan Chase Bank at the instructions of the scammers.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax for failing to properly investigate the inaccuracies on my credit report, despite my numerous attempts to resolve this issue. Each time I dispute an item, I receive a response within 24 hours stating that my account is " correct and accurate, '' with no supporting evidence or explanation of the investigation process. This practice is not only frustrating but also a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies like Equifax to conduct thorough investigations of disputes, report the results to the consumer, correct any inaccuracies found, and ensure that the information reported is accurate and up-to-date. Your company 's failure to provide proof of an actual investigation and merely dismissing my disputes without substantiation is a clear breach of these obligations. Furthermore, this behavior is contradictory to the Consumer Financial Protection Act ( CFPA ), which mandates that credit reporting agencies take adequate steps to ensure the accuracy of the information they report, particularly when there are concerns about fraud or data breaches. Given that my personal information may have been compromised due to a data breach and fraudulent activity, your company is required to remove any inaccurate or unauthorized accounts from my report. Instead of providing meaningful action or evidence that a proper investigation has been conducted, your responses continue to disregard these concerns, showing no regard for the protections offered under these federal laws. I request that the CFPA take immediate action to ensure that all inaccuracies related to my information are removed from your records and that Equifax is held accountable for these failures. Additionally, I demand that any accounts impacted by a breach or fraudulent activity be removed from your database immediately. I expect a detailed response outlining the corrective actions you will take within 30 days of this letter. If this issue is not resolved to my satisfaction, I will be forced to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities to hold Equifax accountable for violating my rights under the FCRA and CFPA. I expect your prompt attention to this matter and look forward to your resolution.
Product: Checking or savings account

Two months ago, I deposited a cashier 's check into a new Bank of America saving account and was told that with the " new money '' I would qualify for an interest rate of 4.5 % in a promotion that the Bank of America had. After two months I have not seen the results of that rate, but something very low. I went into a branch and complained ; they took the information I had and said I had a valid case. They filed a complaint with their Bank and was told that it would resolve itself. After a month, I went back in to the same branch and asked them to inquire about the status of the complaint. They told me that their " Back Office '' had the action to resolve my issue. It's been over two months, two personal visits to the bank, yet I have not seen any resolution to my issue. The Back Office has had my complaint over two weeks and 'XXXX ' has not gotten back to me, nor has my account reflected any backdated interest that my account should have accrued since early XXXX. Is this a scam or fraudulent scheme that Bank of America uses to solicit funds from people to enlarge their holdings? Why didn't they recognize my cashier 's check and deposit it right away ( took them a week to credit my account )? Why haven't their Back Office taken care of resolving my issue in a timely manner? I think this is a Bank of America scam and should be fined for the deception they are causing in the banking community.
Product: Student loan

Since I have graduated I have payed for my loan. However, When my student loan was moved to Navient I believe that my student loan has not decreased and when I asked about XXXX  loan forgiveness my answers to my question were not in the best interest of my loan. Information given about XXXX  forgiveness and interest were not accurate and ambiguous.
Product: Checking or savings account

I woke up in this nightmare today 's date is XXXX/2017 I had 2 checking accounts with Bank of America yes the funds were low in both accounts but that was n't the issue I woke up and there were 2 check deposits I did not do 1 for {$2000.00} and 1 for {$4900.00} and who ever did it also change the password to my account and they had access to mobile banking! I called the bank to report is the lady on the other line said, " hold on im checking your account ''. Then she put me on a hard hold for 40 min! Then this other guy came on and Bank of America decided  to close both of your accounts per the customer disclosure you revived when you open the account, he went on to say Bank of America does not have to give an explanation on why they closed your accounts and then he asked me is there anything else I can help you with I told him this was fraud and he said I understand but it was a business direction of what the bank wanted to do! 

Also my friend in XXXX XXXX NM put in {$200.00} in my checking account cash and the teller put in the wrong account number by 1 number and they refused to refund the {$200.00} since they closed my account today they never will give me back my {$200.00}!
Product: Mortgage

My mortgage acct was transferred from XXXXXXXX XXXX  in XX/XX/XXXX my payments was {$1600.00}  my payments has double with 4 mths, I questioned why? I was informed by representatives that select portfolio that XXXX XXXX pay my sewer bill in XXXX, I contact XXXX XXXX  and they denied paying any of my sewer bills. I continuously converse with portfolio select and story change that they pay my sewer bill XXXX plus tax XX/XX/XXXX? I questioned and denied the payments. I contact my sewer department in XXXX XXXX n.j to request evidence of my sewer payments and who payed them, I received evidence that I the homeowner payed all my sewer bills dated XX/XX/XXXX to XX/XX/XXXX I payed all my payments in person or thru bill pay from my bank acct. I scan all my documents to to select portfolio, and received confirmation all documents was received to my acct XX/XX/XXXX. I was informed that maybe due to my age I forgot? No I am retired law enforcement who believes in documentation and paper trails. Then one representative told me maybe my municipality kept the check portfolio mailed in for my sewer bill in XXXX? Please help me! Portfolio is not listening to me the consumer and plus I am senior citizen. No one should be treated this way!
Product: Mortgage

In an attempt to complete the modification which was underway and in the process of being legally filed within the deed and records, on numerous accounts initially XX/XX/year> I reached out to complete the payment as agreed, was told there was not any information allowing me to submit payment. I explained we were in the middle of a modification at the time of the assuming the loan and that wed already signed documents allowing for a partial claim. They informed me the documents hadnt made it over and that any modifications made prior to were invalid and a new program had to be began, this reflected in my credit as it had been well over XXXXmonths of I applied funds during the modification process. In XX/XX/year> they received the modification documents from the original lender and signed off to switch the lender in order to collect compensation should the property sell reflecting the reduced principle amount in the court recorded Loan modification terms and conditions but never updated my principle balance or interest rate. I was never made aware of the discrepancy. When I contacted them, they stated that it was not complete. This resulted in me applying for another program which they failed to report the partial claim which couldve been paid for. This was brought to their attention in an attempt to sale my home but has created a barrier as the amounts shown are inaccurate and the payments from the program which I was approved for compensated them $ XXXX and they applied it from the original balance remaining vs the modified one which should have been reflected. They have failed to date to warrant any resolve, only responding with rebuttals of the questioning without investigations, audits, or updates to the accounts. This has been a total nightmare and my account continues to fall behind with the indication that I owe more than I actually do. I want this to be made known as these modification processes and buyouts cause great distress on the consumer and there is not protection and its extremely expensive to take legal action. I do pray there is hope and a resolve now that I am taking a stand for myself and others who have been taken advantage of. Enough is enough. They have the capacity to overcharge but when you notice or catch it and attempt to rectify, they give you the runaround s and you can hardly speak with a person in charge. Having brought this to their attention and having them fail to come forth with a resolve has forced me here. To shed light on these fraudulent practices and hope that every cent owed is Compensated back to the consumer including the fees. The difference in the principle balance is $ XXXX which is a significant amount to overpay should my property sell while they figure it out. This ties up profits to place my family in a new home and further impacts my ability to buy and qualify well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent In my documents to the credit breau regarding fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my XXXX Bank credit card over 4 months ago which should have been promptly reported as CLOSED BY CONSUMER but XXXX delayed reporting my account as CLOSED and finally now inaccurately reports my account as Closed By XXXX XXXX when it is required by the FCRA and XXXX XXXX Compliance protocols to report my account as CLOSED BY CONSUMER. I demand Deletion of account and {$1000.00} in statutory damages for willful violations of the FCRA.
Product: Mortgage

My mortgage was bought in XX/XX/XXXX. The new lender increased my payments {$300.00} a month. They sent a letter on XX/XX/XXXX stating when my mortgage was transferred to them the escrow was negative {$3400.00}. I spoke to previous lender XX/XX/XXXX and they stated that is not true. When my account was transferred it was showing {$630.00}. I spoke to previous lender XX/XX/XXXX and requested my payment history for the entire length of them having my account. I have not received that yet. I also spoke to current lender same day and told them the previous lender messed up my account and they didnt even pay my XXXX taxes till XXXX XXXX XXXXXXXX. I had to audit my own account every year. They will not contact the previous lender to sort this out. Told them if they did the math, add up the escrow I paid every month and add up the taxes and insurance they would see the previous lender made a mistake somewhere. But they will not do that and changed my monthly payment from {$1200.00} to {$1500.00}. They will not do anything to find the mistake. I have made every payment in the full amount and on time. I have excellent credit. I feel like they are double charging me. Since I have paid everything how is it short? Add up my payments and its more than enough to cover taxes and insurance. So why am I being double charged?
Product: Mortgage

XX/XX/XXXX XXXX XXXX XXXX, of Deputy Project Manager, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) is a closing company for the State of Indiana and represents XXXX, XXXX. 
XXXX XXXX XXXX : directs me to sign Modification closing documents directed me to schedule a closing by XX/XX/XXXX without seeing or reading the documents. 
XXXX XXXX demanded that I schedule the closing within 1 hour on XX/XX/XXXX at XXXX XXXX  Email from XXXX XXXX states : You have until end of day ( XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX to schedule closing with our notary, Statewide. Failure to schedule closing by end of day XX/XX/XXXX will result in a denial for XXXX  assistance. Regardless of your decision, you will not be able to apply for XXXX assistance again as you have applied for assistance twice. 
must send me the documents to read has provided wrong information to me ( I applied twice for assistance ) I applied once. 
refused to inform me of Closer 's name, address, or date Wells Fargo showed her proof of my mortgage payments. 
states she has proof of XXXX  Calculation accounting refused to send me Wells Fargo payment history example : Wells Fargo has not applied my mortgage payments to my mortgage " {$29000.00} '' claims, by XXXX, to KNOW that Wells Fargo accounting balance is correct. Wells Fargo is hiding facts. 
believes that I am only 2.5 months in arrearages. I am considerably more late than 2.5 months XXXX XXXX, employee, texted a high pressure texts that she, XXXX XXXX, " Will report me. '' if I dont respond. ( I will have XXXX XXXX 's texts available in 5 days. I'm not knowledgable how to download from my phone. )
Product: Credit reporting or other personal consumer reports

Ive noticed unrecognized hard inquiries on my credit report which are XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Synchrony is using deceptive practices to manipulate and negatively impact the credit score of borrowers. They offer you credit. You use it, make all payments on time and adhere to the terms of the agreement. Then they slash your limit, which impacts your score. Then they close your account, without warning and again your score is negatively impacted. Im never going to be able to improve my credit with companies like Synchrony bank taking advantage of consumers. Im SO MAD!!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a personal loan was open under my name through XXXX  who inform Experian the reported address applied with this loan was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I have never applied for this loan, and have never lived at this address. I tried to dispute this loan as fraud but Experian said that all information was reported correct by XXXX. Even though I have never reported living on this location and have no idea what the account number that is associated with this XXXX  loan. This loan is only reported on Experian as well as the address.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.

While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ), they may be liable for false reporting. I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature.

Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit reporting

My social security card is not matching my name what do I do? I tried my maiden name and my other husbands name also.
Product: Checking or savings account

On XX/XX/XXXX I accidentally incurred an overdraft on my checking account due to an error with a XXXX transaction. I was under the assumption that not being enrolled in overdraft protection would cause the payment to fail as it would with a debit card transaction. 

on XX/XX/XXXX the transaction completed and my account was left with a balance of XXXX. 
on XX/XX/XXXX a {$35.00} overdraft fee was applied to bring the balance to XXXX. 

On XX/XX/XXXX I became aware that my account had been overdrafted. I went to the local branch and stated that i would like to cover the overdraft amount and asked if there was anyway the overdraft fee could be waived. 

I was provided a customer service number ( XXXX ). I was told to call the number and they would waive the overdraft fee. 

When you call the customer service number there is an automated menu. At no time does this menu give you an option to speak to a live person. After a week of calling this number and trying EVERY menu option I found that pressing '0 ' TWICE would transfer you to a live person. If you press '0 ' once it reverts to the main menu, if you press '0 ' twice it connects to a representative. There is NO mention of '0 ' being a menu option at all. 

on XX/XX/XXXX I was finally able to talk to a representative. He said he could waive the original overdraft fee, but i would still be responsible for the two {$30.00} fees that occured in the time period that I was trying diligently to rectify the first fee. I told him this was not acceptable and I would like to close my account. In order to close the account I would have to bring the balance to zero. 

My balance is currently XXXX due to {$60.00} in fees incurred by the original overdraft fee which was waived. 

I then went back the the local branch and was told that I would be stuck with those fees. 

I think that it is ridiculous that the customer service number 's automated menu is intentionally obfuscated to the point that it does not have a straight forward way to talk to an actual person. It took me a week to figure out to press '0 ' twice, and in that week they want to charge me an additional {$60.00}.
Product: Credit card

I have XXXX finance loans on my account for auto loans from XXXX XXXX that I never applied for or authorized. I never needed an auto loan because I purchased a used vehicle with cash. I have an inquiry from Ally Financial Inc that I never authorized. I have an inquiry from XXXX XXXX. I have an inquiry from XXXX XXXX that I did n't authorize. I have an inquiry from XXXX XXXX XXXX XXXX that I did n't authorize. I have an inquiry from XXXX XXXX XXXX that I never authorized. I have an inquiry from XXXX XXXX XXXX that I did n't authorize. I would like to dispute all the above names from these credit agencies as I did n't give any of them the permission to access my credit therefore putting these hard inquiries on my credit report which will damage my credit.
Product: Credit reporting or other personal consumer reports

I wrote this company a letter and filed a previous report with CFPB about the incorrect info on my credit report. I got an email tonight that this was all updated. When I got on here and checked. My score dropped XXXX points. They didn't do anything I asked. Instead, they deleted a bunch of stuff and addresses that don't even pertain to me. Yeah they deleted some addresses but these are someone else 's addresses that weren't even on my credit report. Starting to wonder if my identity has been stolen for the 3rd time this year because none of this makes any sense at all. I'm trying to buy a house and experian is the one wasting my time and adding false addresses I've never lived at to my report. They can't even get my correct name right! And this is a credit reporting agency?