23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Chase Bank # XXXX - SOLD to : XXXX Acct # XXXX This account is not even my account. It is not a credit card account. This account was a cash advance account for my mother ; her name was XXXX. She has passed away. When my Mother became unable to take care of herself and we put her in a XXXX, in XXXX, CA. I took over paying her monthly bills and her upkeep. I had all of her mail and bills sent to my house in care of me. I was never a co-signer on any of her accounts or checking account. I DID pay the Chase account payments as well as with all of her bills. After she passed away, I stopped paying her bills, as she had no remaining assets. 
I had inadvertently given some clerk at Chase Bank my Social Security number to prove the account was n't mine and they agreed. Then " someone '' at Chase then used it against me to put it in my name. My name appears nowhere on this account other than a mailing address for payments that I helped her in the last few years of life. I have written Chase numerous letters with no results. They have since sold this account to a collection agency, now they report this account in my name as well ( *XXXX Acct # XXXX ) Please help me get both of these accounts off of my credit report ... they are not mine.
Product: Student loan

During the pandemic I have not been able to repay my Sallie Mae student loan. Rather than automatically pausing loan payments as the federal government has done, they make borrowers use the very limited forbearance the offer for the entire life of the loan. They do not offer any special help during the pandemic other than using this forbearance, which again is limited for the entire life of the loan. Additionally after 3 uses of the forbearance they will not let you use any remaining period for 6 months after, meaning in XXXX I have to start paying or they'll start coming after me. Further they charge interests which are predatory and amount to usury.
Product: Checking or savings account

My one bank account was over drawn and they transferred money from a different account w/o notifying me and kept checks in hold for over a week causing several bills including car payment, mortgage, credit card, and electric bill to bounce becoming overdue since I did not notice. They the froze my accounts after they removed one payment and placed it into the over drawn account that would have one of my direct deposits suited next week to cover the amount. It was an accidental deposit of checks we didn't realize were already submitted and I had that account for almost 9 yrs with no problems. USAA is mad b/c my spouse and I had over XXXX of attorney fees and had to file bankruptcy which included a lian my spouse took out in my name for XXXX in which he paid XXXX a month for first 24 months and could only pay the XXXX month but somehow still owed XXXX so I told him to place it on the bankruptcy. USAA pretends to help veterans.
Product: Credit card

For me, there was a single order at XXXX, but at Bank of America there are multiple transactions posted on XXXX, XXXX, and XXXX. XXXX charged me multiple times in very odd amounts that do n't even match individual product prices. There were XXXX items ordered. A desk, a console, and XXXX bookcases. The desk arrived damaged ( crushed on a corner ), was returned, and replaced. The replacement arrived damaged ( crushed on a corner again and a large scratch ). The console table arrived damaged ( with a large scratch and ). When the XXXX bookcases arrived, but I refused to received them and they were sent back. XXXX send me emails that do n't even match what happened in reality. They show only XXXX item being refused even though both were. They show the desk replacement is still being shipped. It is a complete mess. 

I have called XXXX five times. Five times! I was promised corrections and credits. None of that happened. I emailed the CEO ( seriously ) and got a response that this issue would be resolved ( I kept the email ). I received one call from the executive office and called back three times. No response. No resolution. I should not be charged for items I did not receive and I should not be charged for damaged items. XXXX should have resolved this, but they have not. I am tired of dealing with this and just want a refund. I received damaged items ( they were not damaged from shipping, they were damaged by the manufacturer from what I can tell ). 

So I called Bank of America to have the issue resolved. They told me that they would not do it. I have protection services on my account as well. The representative did not seem to care and told me that I had to work directly with XXXX. I have been working directly with XXXX but they are not resolving the issue at all. Bank of America should be taking care of this and not telling me this is my fault. I ordered products that were either not received or were received damaged. I tried to resolve this issue and have wasted weeks on it, but no resolution and no one will help me. I just want this mess over with and I want a refund. Since I have only XXXX order at XXXX, anything to do with XXXX should just be refunded. I will never purchase from them again. Ever. And I am seriously deciding if it is worth keeping Bank of America since they do n't even honor their own credit card agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still saying the amount was written off, when I paid the amount off in XXXX XXXX paid off XXXX, XXXX {$420.00} and the say it was written off.
Product: Checking or savings account

On XX/XX/2023, I received a phone call on my cell phone that was incoming with the name Chase Bank. A number I had plugged into my phone when I originally opened my checking account as it had the emojis that I listed with the number in my phone. The person on the line said they were from Chase and that my debit card had been compromised and that they were going to issue me a new one. I am a XXXX XXXX and when they called I was working and distracted and the person on the line asked me to verify my last XXXX of my social security number which I provided. They asked for my pin and I gave it to them. They said I would receive a new card shortly. The next day I checked my account and someone had withdrawn {$6000.00} from my savings account. I called the fraud department and they informed me that someone had added a debit account to my wallet on my XXXX  and that they would remove it from my phone. This person withdrew XXXX {$100.00} withdrawals from an ATM and Chase never notified me once about these withdrawals that happened one right after another which should have been a red flag to begin with. 

Chase initially refunded my account while they investigated and then when they were done they took back the money and said since I provided the PIN number that there was nothing they could do. How about protecting the customer. Whenever I shop at XXXX time Chase will not approve of some of my transactions until o call and verify. I don't understand how someone can make that many withdraws at an ATM and Chase not notify me. We put trust into a financial institution to protect our money and have safeguards in place if someone is trying to commit fraud against you. {$6000.00} is a lot of money that I worked hard to save. They also have the debit number which was attached to my wallet that did the crime. This crime occurred because a person was able to add a debit card to my XXXX wallet and use it to steal {$6000.00} at a ATM and Chase acknowledge that there were XXXX cards attached and had me verify mine and also my boyfriends card which I knew were on there and they said there was a third that I did not know whose it was, so Chase removed that card from my wallet and never did anything with that information. I filed a police report and this is information that can help catch the criminal that stole from me. I feel like Chase is not doing anything to help me get my money back nor did they protect me from this criminal act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a supervisor at TransUnion on XX/XX/22. The supervisor informed me they needed additional info regarding my complaint. Please see the attached documents to view the requested information. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I still see items that aren't mine. I have reached out to the FTC and to my local police department and I am doing this on my own behalf, I don't understand what's going on but these items are not mine and all these items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( lnquiries ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquires are not mine. I would like them removed
Product: Credit reporting or other personal consumer reports

I have several unauthorized inquires on my credit report. I do not have or have had any of these accountsXXXX 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Discover Bank dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I have disputed fraudulent transactions on the Discover account and disputed the inaccurate derogatory reporting to the credit bureaus for years, but none have done anything to correct the problem. Even now, 6 months after receiving an IRS Form -1099-C from Discover Bank in XX/XX/2022, they are still reporting monthly derogatory and harassing statements and data to credit reports and inaccurate account date with an outstanding balance and severe delinquencies. 
In their letter to me they stated they will continue to report the inaccurate information to credit Bureaus until I ask them to stop. This is unacceptable purposefully harmful behavior and harassment that they intend to continue until the 10 year data cutoff. 
Their harassment and behavior can only be to continue to inflict more harm and more damage to my personal and financial security. 
Ive requested they stop and correct the record and issue a statement to me and forward the details of their harassing behavior and steps they are taking to resolve the emotional, financial, punitive and pain and suffering they have caused and continue to cause me so can restore the damage they have inflicted. 

To this day they continue to report false derogatory information to credit reporting agencies. In the past 6 months theyve opened false accounts under my name and reported false information about them to credit reporting agencies no less than 4 times. Opening them with tags like over credit limit with current account opening/ creation dates. Ive included photos of just this very specific information. 

All this is done just to prevent consumers from obtaining credit and to keep their credit scores low. 

This is illegal and XXXX allows the practice.
Product: Credit reporting or other personal consumer reports

Subject : Late payment Account # XXXX XXXX XXXX XXXX ; Account # XXXX I am writing to formally dispute a late payment entry on my credit report, which I believe is incorrect. Upon reviewing my credit report, I noticed that XXXX XXXX XXXX XXXX XXXX Account # XXXX ] reflects a late payment for the period of [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ], under account number [ Account Number XXXX ]. 

I respectfully request that you review and investigate this matter, as I believe this entry is inaccurate. [ Include any details about why you believe the payment was made on time, such as receipts, bank statements, or account records. ] Under 15 U.S. Code 1681e B- Compliance procedures It states ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to my records, the payment for the aforementioned period was made by Debit card on time and was processed without delays. If there was any delay, I kindly request further clarification or supporting evidence from the creditor regarding this claim.

Please update my credit report accordingly by removing this inaccurate late payment entry, as it does not reflect the true status of my account. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After recently, looking at my credit report I found multiple inaccuracies and unverified information on my credit report I recently requested the original contract with my signature on it from XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX. According to the FCRA when a consumer reporting agency Prepares a consumer report It shall follow Reasonable procedures to ensure maximum accuracy of the consumer relating to the report. I also reached out to the Credit Reporting Agencies asking for a reinvestigation and method of verification of the listed accounts below, in which they also failed to respond which is a violation of my consumer right per. 15 USC 1681i7. Account : XXXX XXXX XXXX  Account Number : XXXX XXXX was already removed from my Experian report because they failed to provide proof of this account being mine, but XXXX and XXXX are still reporting it as Verified another violation of my consumer rights, inaccurate reporting. Per 15 USC 1681i all UNVERIFIED accounts must be PROMPTLY DELETED from my consumer report. The accounts below were clearly unverified and i am requesting they be deleted from report immediately. Account : XXXX XXXX Account Number : XXXX Account : XXXX XXXX Account Number : XXXX  They also violated 15 USC 1681 i ( 5 ) Can you look into this?
Product: Mortgage

I had a Wells Fargo account since XXXX. This loan was setup though ( MERS ). mortgage electronic registation services. Which I was told was not legit, but I I'm a very credit conscious person with no extra money to pay a lawyer & no time to really seek the information needed. Back in XXXX I got a loan modification, now here in XXXX XX/XX/XXXX. I get a call from XXXX XXXX XXXX. Telling me they own my loan now, how can I make the payment. They told me I was late & gave me a lot of attitude for nothing, in a form of bullying, talking down to to. I told the person the payment was made to wells forgo. Then I see the money was bounced back into my account. I never received any paperwork stating my loan being moved from either one of these financial institutes. I also seen somewhere that Wells Fargo need to send me a document that they own the loan to transfer it. Not sure if it's true, but I need your help seeking justice. Thanks to this incident I'm back on the fraud that Wells Fargo committed on my paperwork. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have initiated several disputes with the major credit bureaus to resolve a glaring inaccurate account that is dragging my credit score down. XXXX XXXX XXXX XXXX is reporting 1. 180 day late status since 2014, 2. reporting me 120 days late every month since 2014 3. Shows my monthly payment as what the balance is and 4. Shows my terms a " 1 month ''.

Attached is my credit report pulled by the mortgage company, at the bottom of page 8 of 21 is where you will find the XXXX XXXX  XXXX XXXX.

It seems that the credit bureaus will not investigate or fix an account because they are receiving monthly premiums for reporting regardless of what impact it has on the consumer 's financial health.

I'm hoping this will help me fix this issue
Product: Credit reporting

Equifax should have arrived at the correct resolution to the following dispute, in light of the fact that the debt collection agency that placed false information on our accounts is in violation of Federal law. They should also restore us to a high credit score. 
XXXX XXXX XXXX XXXX, through its representative, XXXX XXXX, has a false claim that I, XXXX XXXX XXXX, and my wife, XXXX XXXX XXXX, owe a debt that we do not owe. They have filed this on our credit reports, despite the evidence that their claims are inaccurate. This is a clear violation of the law by their false representation of an amount and legal status of the so-called debt they are claiming. We provided them the information and evidence that they are in error, but they have since failed to correct their error. 

Originally, a dispute had arisen with a potential landlord that was settled in court. When judgment was entered in court, we satisfied the judgment, since XXXX 2015. However, XXXX XXXX XXXX has continued to negatively affect our credit score since that time by insisting that we owed an amount which is simply false and inaccurate. 

XXXX refused to correct their records, despite the fact that they were made aware that they are violation of the Fair Debt Collections Practices Acts ( XXXX XXXX XXXX XXXX, especially section XXXX ( false or misleading representation of " A ) the character, amount, or legal status of any debt '' ). We provided them the evidence of the notice of satisfied judgment, and XXXX XXXX, their representative, refuses to correct this information. 

We provided proof of the satisfied judgment amount and closed legal status, which was significantly less judgment than their client was claiming. We notified them that further delay requires further action provided by the laws of the United States. 
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ A fair resolution will be the correction of the false information that XXXX has placed on our credit files. Any payment the court needed us to pay was already paid in court, and the amount the court requested, which again we satisfied, was already much lower than what XXXX XXXX XXXX is claiming to collect. My wife and I should be compensated for the monetary value of the combined change/loss in our credit scores due to their false report. 
Most importantly, they must cease and desist from wrongfully reporting the legal status or amount on our credit reports.
Product: Checking or savings account

I am writing ti file a complaint against Navy federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT REPORTS WHICH NEED TO BE REMOVED IMMEDIATELY
Product: Credit reporting or other personal consumer reports

Since XX/XX/2024 I have made several attempts to have an items removed from my credit report and they failed to remove an item. I have summited the proper paperwork which they keep ignoring and just send me a letter that's it verified. 

This is my second complaint filed with CFPB for this same issue and they sent me a emial claiming its verified.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I face financial harm because of their blatant stall statics.
Product: Payday loan, title loan, or personal loan

Company keeps taking money out my bank account then started to send me emails I ask them to stop tried to called them and now their phone is disconnected
Product: Checking or savings account

I linked my Bank of America personal account to my business account so as to transfer funds. The accounts linked but i am still unable to transfer funds between them. I was on the phone multiple times over 4 hours because they kept hanging up on me and transfering me, only to then hang up. I still have no resolution and my business is unable to use the bank business account. This is a major issue that Bank of America refuses to resolve
Product: Credit reporting, credit repair services, or other personal consumer reports

I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent
Product: Mortgage

Account # : XXXX I am writing to formally request corrections to multiple inaccuracies in the way my mortgage payment history is being reported to the credit bureaus. Despite my previous disputes, these errors remain unresolved, and additional incorrect reporting has been introduced. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors and furnishers of credit information are required to report accurate information and promptly correct any errors. I am requesting that you immediately address and correct the following inaccuracies : Late Payment Corrections : Remove the incorrectly reported late payments for XX/XX/XXXX and XX/XX/XXXX, as they are inaccurate. 
Missing Data Updates : Correct the " NO DATA '' entries for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to accurately reflect my on-time mortgage payments. 
Incorrect Comment Removal : Remove the " natural disaster impact '' comment from XX/XX/XXXX, as I was not affected, and my mortgage was paid on time. 
These reporting errors are negatively affecting my credit, and I expect Planet Home Lending to correct them in compliance with the FCRA. Failure to do so may result in further action, as the law requires furnishers to ensure the accuracy of the information they provide to credit reporting agencies. 

Please confirm in writing once these corrections have been made. 

I appreciate your prompt attention to this matter and look forward to your resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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, credit repair services, or other personal consumer reports

After repeated times calling into Equifax to Permanently Remove my Credit Freeze I need the CFPB 's support and resources in removing the " freeze '' on my report. After the third call with " XXXX '' in the XXXX they still will not remove the credit freeze ; my daughter needs XXXX and we need credit.