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

I had {$14.00} in my account a charge came in for {$9.00} which the bank placed as " Pending '' This bought my balance down to {$4.00}. then another charge came in for {$7.00} and my balance went to - {$3.00} plus a overdraft fee of {$32.00} which brought my balance to - $ XXXX.Now the bank credited my pending {$9.00} which they already deducted that cause my original overdraft to my account.Then they now re-charged the {$9.00} as a withdraw and I got hit with a over draft fee of $ XXXX.bring my account to - $ XXXX.All of this in a 2 day period. This also caused a cascading effect which I got hit with XXXX more overdraft fees.
Product: Credit reporting or other personal consumer reports

I reached put to transunion on XX/XX/XXXX. My first concerns were I was unable to access my Transunion account with no recognizable reason. 

I was informed on XX/XX/XXXX that the account would be fixed and access would be back. On XX/XX/XXXX I contacted Transunion as my account was still not fixed. I asked for a paper copy, or email copy be sent to me so I can access my report. I am undergoing credit repair currently. I have been able to fix my other 2 credit resports with the other bureaus. With no problems.

I was informed it can take up to 7 days for the report to be mailed, or emailed. I asked for it to be sent still. Well, as life catches up with all of us. I was distracted and still strepting credit repair. On XX/XX/XXXX I again attempted access to my transunion account. I can login but just states generic error codes. I contacted Transunion support with hopes of getting it corrected. Through some very troublesome calls with little to no customer satisfaction I realized that my account was a lost cause and seemed no one wanted to assist and figure the issue out. I spoke to management still no luck. I asked the supervisor to please provide me a copy of my report either via email or certified mail. I waited a few days and called back. I spoke with the technical team this time around. I was informed by the technical team that the issue would be resolved in 24 hours. 48 hours passed still no access to my report and attempts to receive my report are declined.

I feel as though my attempts to rectify my account were met with uneducated, no willingness to help, disregarded. In the past year my account could have been next to my current XXXX and XXXX accounts. But due to negligent support reps. I am still in the same bind I was a year ago with transunion. 

During the call on XX/XX/XXXX I asked to file a dispute over the phone as Statue of limitations vary state to state. I was informed by the transunion rep that they wouldn't file my dispute as the Statue of limitations doesn't meet the requirements. I am fully aware of federal regulations and I know my state allows 5 years on Vehicle loans and not the typical 7 years. With that being said, I was denied fixing my report. I was denied access to my report causing further damage to my financials. All in all this is unacceptable. I have filed with BBB and all they wanted was proof of who I was mailed to New York ... That's unacceptable.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have contacted all three credit reporting agencies and put them on notice of identity that taken place on my Social Security number. Ive also sent them a copy of a police report and also a FTC report this account still reporting on XXXX and XXXX. Ive been going back-and-forth for the last year.
Product: Checking or savings account

I have a Capital One 360 checking account that I use to pay credit cards via auto bill pay. On XX/XX/XXXX and XXXX, 2022, Capital One paid the same bill twice ( XXXX XXXX ) -- the value of each payment was {$1600.00}. On XX/XX/XXXX, I spoke with a Capital One fraud XXXX who told me this was a SYSTEM-WIDE processing error for customers on those dates, that the money had already been sent to XXXX, and that I needed to dispute one of the payments. He assured me that this was the correct protocol, that only one payment would be pulled back, and that Capital One would refund any fees that XXXX charged me as a result of this processing error. On XX/XX/XXXX, Capital One " pulled back '' one payment ( value : {$1600.00} ) ; on XX/XX/XXXX, Capital One disputed the second payment ( value : {$1600.00} ). XXXX never recognized the receipt of two payments from Capital One ; the disputed payment led to : returned fee charge ( value : {$27.00} ), interest charge ( value : {$6.00} ), affect on credit score, and cancelling of Capital One account as a payment option. I used a XXXX account to pay the XXXX bill, with fees/interest ( as listed above ). On XX/XX/XXXX, I asked for Capital One to refund the fees that XXXX charged due to Capital One 's processing and handling errors. Capital One refused any refund and claimed that XXXX was at fault.
Product: Credit reporting or other personal consumer reports

I have requesting copy of the original contract or the purchase agreement that created the alleged debt. The proof of chain of ownership of the alleged debt. I know I been requesting Experian to provide me with the documents numerous times by certified mail. Experian is reporting fraudulent inaccurate information on my credit report. I have information with bankruptcy on my credit report, but I don't have a Bankruptcy and NEVER receive documentation of the negative items on the copy of the credit report I have attached with this email.
Product: Checking or savings account

Wells Fargo is claiming that they reversed {$XXXX} ( XXXX transactions of {$XXXX} each ) to my XXXX Bank checking account on XX/XX/2022 that were erroneously deposited in to my Wells Fargo checking account on XX/XX/2022. However, XXXX Bank tells me that they did not receive the transfer from Wells Fargo. Since XX/XX/2022, I spent at least XXXX hours on phone between these XXXX banks and both banks are pointing to each other. Hope you could help me here
Product: Debt collection

On XX/XX/2019, I received an initial notification from XXXX XXXX XXXX, XXXX that they had been authorized to collect a debt. Pursuant to the FDCPA and the XX/XX/2019, letter, on XX/XX/2019, I sent a letter requesting validation of the debt and specifically requesting the amount owed, explanation for calculation of amount, copies of any and all papers evidencing I agreed to pay XXXX, identity of the original creditor, proof that the statute of limitations had not expired, proof that XXXX is licensed to collect a debt in Virginia, copies of pooling or servicing agreements, license numbers and registered agent. XXXX failed to provide any information validating the debt in violation of my request and my rights under the FDCPA. Instead I received more correspondence from XXXX on XX/XX/2019, and XX/XX/2019, continuing to attempt to collect the debt. XXXX has violated the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On about XX/XX/2018, I received confirmation from Equifax regarding the removal of the XXXX/XXXX  account from my credit file. However, on about XX/XX/2018, I hired The XXXX XXXX to challenge the items found within my credit file. The XXXX XXXX XXXX stated that when Equifax deleted The XXXX/XXXX  account from my credit file, they failed to also delete the negative history associated with XXXX/XXXX  account from my credit file. Today XX/XX/2018, I spoke again with Equifax. I explained the issue Equifax. 

The representative at Equifax stated they did not receive the dispute regarding XXXX/XXXX until Saturday XX/XX/2018. Based on their response, I contacted The XXXX XXXX XXXX again. I presented the response I got from Equifax. The XXXX XXXX XXXX has indicated that they electronically submitted the dispute on XX/XX/2018. That means Equifax has had this dispute for more than a few weeks now. XXXX XXXX stated that Equifax would have received the dispute almost instantaneously on XX/XX/2018. Prior to ending the call with Equifax, The representative further indicated, they must send this information to XXXX and start the process over again. There are a few issues here. 

Equifax should have cleared the deletion of the negative history when they deleted the item. Today, an Equifax member provided me with information that conflicts what the XXXX XXXX XXXX has stated. Also, both XXXX  and XXXX  where both able to resolve get everything done correctly the first time, so Why didn't Equifax? I'm in the process trying to purchase a home. The time that Equifax is taking to get this right creates issues for me such as more money in terms of down payment, higher interest rates, and or could be reducing that amount I can qualify for when buying my home. This needs to get fixed!
Product: Credit reporting or other personal consumer reports

filed a dispute on { Account number, Creditors name } due to { the reason you selected in your original dispute }. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ).

They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house }. Experian violates my rights as a consumer, as well federal laws
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On Tuesday, XXXX XXXX I used Bank of America 's mobile app to make XXXX payment to my Bank of America credit card from my checking account of the same bank. Today, XXXX XXXX, I checked my account and was surprised to see that not only had my payment cleared completely, but XXXX duplicate payments of the same amount were then pending. I called my bank 's card services and they advised me that I would have to wait until the transactions had cleared before calling them back to fix it. So, in essence, they 're saying that they can drain my bank account without my knowledge and then only if I catch it and the damage is already done can they do anything to fix it. This sounds very dangerous for consumers, and I can only hope that they actually fix it once the unauthorized transactions have done their damage.
Product: Debt collection

On XXXX XXXX, 2016 I reviewed my credit report and noticed that an account that I do not recall. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting information on the account they claim I owe them. As of today, I have not received a response from this collection account.
Product: Student loan

Navient refi has partnered with XXXX. In doing so I no longer have access to my navient account information via the navirefi website. These information includes but is not limited to statements, payment transactions, autopay and loan balance information. Instead you have to log in via XXXX. When trying to log in to XXXX the dashboard does not work and I have no access to anything. When reaching out to XXXX customer support. They say I have to reach out to navient. I reached out to navient because I have to change where my auto pay is coming from. They wont make changes over the phone and said I have to do it online. I explained the issue. I called navient around the week of XX/XX/23. They stated that my account should be updated in 5 business days and to try logging in then. I tried logging around XX/XX/23 and still had no access. I called navient back and they stated there is nothing more they can do except make a note that I need access. I talked to XXXX today and they still trying to fix these problem. Its 3 months with out the ability to make manual payments, view any account information, update any of my information or change how my loans are being paid. This is unacceptable and I have no visibility to anything going on with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  several times in the past explaining that I have been a victim of identity theft and only a few of the things were deleted from my credit report. These items are fraud and should be deleted as well.
Product: Consumer Loan

I entered into an auto loan with American Credit Acceptance after purchasing a vehicle thru XXXX in XXXX XXXX, Fl. Because of a poor credit history my current interest rate is 28 %. I also purchased an extended warranty and GAP insurance when I purchased the vehicle which American Credit Acceptance is charging me 28 % interest on as well. After research, I found that it is illegal in the state of XXXX to charge 28 % interest on GAP insurance and extended warranties. I was also advised when I purchased the vehicle that I could refinance at a lower interest rate after 6 timely payments, but after purchase the company told me that the loan is a simple interest loan, so no matter if I refinanced or made principle payments, I will still be paying the same amount of interest because it is front loaded. Please help, I found where the Attorney General of XXXX won a lawsuit against this company for charging excessive amounts of interest on GAP insurance and they are doing the same to me. I have also filed complaints with XXXX Attorney General XXXX XXXX ( who is reviewing my claim ) and the Consumer Financial protection Bureau to ensure that this issue is resolved and no other consumers are taken advantage of. Please see the link below regarding the case filed in XXXX. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband took out a car loan in his name only. It shows as a joint account in my credit report and that is incorrect. The vehicle was repossessed voluntarily by him. The account was with XXXX XXXX auto loans opened in XX/XX/2015. It needs to be removed from my credit reports.
Product: Checking or savings account

Initiated & Submitted an atm dispute for {$300.00} on XX/XX/2020. I received an email confirmation of receipt of my dispute form. The representative & email both stated that if the atm dispute investigation wasnt completed within 10 days Id receive a provisional credit by the end of the XXXX day ( business days ). On the XXXX business day ( XX/XX/2020 ) nothing had been credited so I called chime and 1st spoke with a dispute consumer rep was told for some reason, my claim wasnt filed. Went ahead and refiled claim and told AGAIN that if dispute investigation was not completed sooner Id receive the provisional credit in XXXX business days. I explained that {$300.00} was for my cell phone bill and was lucky that my carrier understood what happened and gave me an additional 2 weeks to pay which is up 2 days from today. But now Ill have to wait another 10 BUSINESS days which is almost 2 weeks more! I asked to speak with a manager or supervisor because this is unacceptable. After speaking with manager/supervisor she said so sorry I dont know why this happened but I cant do anything about the provisional credit u have to just wait. I again explained I will lose my cell service because I cant pay my bill by the extended date and will lose service for which I need for my job! Sorry wish I could help supervisor says. So because of THEIR mistake I only not go without the {$300.00} but now Ill have to pay all the carrier fees for disconnected service ( {$100.00} ) + possible lose jobs because no cell phone ( anywhere from $ XXXX {$800.00} ). Thats a lot of money that I desperately need now! So bottom line, Im literally paying for Chimes mistake and their incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/2019 at XXXX XXXX., I made a call to Credit Corp Solutions at XXXX and spoke with XXXX to obtain a settlement with an agreement to remove the credit line from my credit report. The manager,  XXXX, agreed and stated that it would be removed in 30 days. I have contacted the company numerous times because they have not yet honored the agreement. I spoke with XXXX XXXX, Senior Manager at XXXX on XX/XX/2019 at XXXX XXXX., at which time, he stated that he will make sure that their Compliance Dept. will delete the item from the report. I spoke with several different representatives from XXXX 2019. Another call, I ended up speaking with a representative by the name of XXXX on XX/XX/2019 at XXXX XXXX. He assured me that he will look into the matter and make sure that it would be handled. I called the next day because I did not hear anything back as promised on XX/XX/2019 at XXXX XXXX. at XXXX ( ext. XXXX ) and spoke with XXXX again and he stated the exact same thing to me as the previous day, he would handle it. Several more calls were made to the point that XXXX no longer answered my calls. On XX/XX/2019 at XXXX XXXX., I spoke with XXXX, whom claimed to be an account manager, which she agreed that her records showed that they have deleted the item on their end. Someone by the name of XXXX jumped on the line at XXXX XXXX., and stated that he was working on my behalf to contact XXXX to see why they have not deleted being that they have submitted a request for deletion. I contacted XXXX, and the representative stated that they had no request to delete from Credit Corp Solution. I then proceeded to dispute the matter, which was done on XX/XX/2019. Only two days later on XX/XX/2019, I received an update to the dispute that the information was accurate. I contacted Credit Corp Solution on XX/XX/2019 at XXXX XXXX., and spoke with a representative by the name of XXXX and explained to her everything that had transpired. She stated that they have done everything on their end and has submitted a request to delete but could not give me a date of when it was submitted. This company has been giving me the run around since XXXX.
Product: Checking or savings account

I have apply for a loan got approved for XXXX but I found out it's was a scam I called my bank they block the scam but someone from XXXX XXXX told me to report the scam to fraud if you have questions feel free give me a called at XXXX Thank you very much.
Product: Student loan

I am unemployed not recieving anymore unemployment insurance XXXX  XXXX harrassimg me with phone calls up to 8 times a day, harassing my injured XXXX XXXX great uncle and refuses me any sort of repayment options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a disputed to Experian via certified mail of incorrect reporting on my credit report on XX/XX/2021. Disputed items include : 1. Account - XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX. XXXX, XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX, XXXX Utah XXXX XXXX. Personal Information- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX On XX/XX/XXXX, I received an investigation result of verified in repose to my dispute. On XX/XX/2021 I sent a re-investigation letter, & notice of request for method of verification via certified mail. The re-investigation letter & notice of request for method of verification was received by Experian on XX/XX/2021. On XX/XX/XXXX, there had been no notice of re-investigation processed or receipt of the method of verification. On XX/XX/2021, a notice for intent to sue was sent to Experian by certified mail if disputed items were not removed from my report within 5 days. 

Experian is currently in violation of FCRA section 611 ( a ) ( 6 ) & ( 7 ).

All disputed items need to be removed from my report & personal information needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DPT EDXXXX XXXX {$11000.00} DPT EDXXXX XXXX {$4000.00} DPT EDXXXX XXXX {$6300.00} DPT EDXXXX XXXX {$4900.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$250.00} XXXX XXXX {$1900.00} DPT EDXXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX  XXXX {$810.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$260.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$250.00} XXXX  XXXX  XXXX {$2700.00} XXXX/XXXX  XXXX {$440.00}
Product: Checking or savings account

I opened an account with Hancock Whitney in XXXX of 2018 with an initial deposit of {$250.00}. Recently, I tried to log in an access my account which I could not access online. The portal gave me a customer service number to call. After speaking with an agent they stated that I do not have an account with them even though I have multiple emails from hancock whitney regarding my account referencing monthly statements and the last 4 digits of my account number. 

The agent said there was nothing she could do about the missing money and closed account ( which I never closed ).
Product: Mortgage

I received a loan modification from select portfolio services Bank in XX/XX/XXXX. I then completed the 3 month trial mod, paying ahead of time. 2 months after that sps demanded my ex husband 's signature to complete the modification. I can not produce that, as I have a final restraining order against him for severe XXXX  XXXX. He had attempted to XXXX  me..sps knew this beforehand and agreed to the mod and accepted my payments. Sps refused to take more payments in XXXX XXXX then sent them a Notice of Error in XX/XX/XXXX. They had 30 days to respond but did not respond. At this point, they are attempting to foreclose on my mortgage. Please help, as survivors of XXXX  XXXX, my children and I need our home. I have lived here for XXXX XXXX 
Also : I had filed a complaint with XXXX XXXX XXXX XXXX in XX/XX/XXXX, they accepted and worked with me to get the modification. It was several months after sps took my payments and I honored the mod, that sps denied my money. Also sps called my homeowners insurance and told them that the home was vacant in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The home has never been vacant, I have resided here every single day and kept the property in pristine condition. Sps committed many acts of fraud against me. Please help. Thank you so much for your time.
Product: Money transfer, virtual currency, or money service

My wife and I were victims of wire fraud. A criminal impersonated our loan officer from XXXX XXXX XXXX XXXX. We were in the process of closing on buying a home. At the right time the criminal impersonating our loan officer requested us to wire funds to an account at Bank of America. They had information relative to the transaction that was private. We wired the money to the criminal 's account on XX/XX/XXXX thinking it was requested from our loan officer to the title company 's escrow bank account. We contacted Bank of America on XX/XX/XXXX to freeze and or restrict the criminals account and they refused to take down information or look into the fraudulent activity. At this point Bank of America is aiding criminals organizations with illicit accounts.