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

I am filing this complaint against XXXX XXXX  and the credit bureaus TransUnion for reporting inaccurate, inconsistent, and unverifiable information in my credit report, violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The account in question has multiple discrepancies across the three major credit bureaus : Inconsistent account details : XXXX XXXX XXXX report the account opened on XX/XX/XXXX, but TransUnion reports XX/XX/XXXX ( discrepancy ). 
XXXX reports " 0 months '' as the loan term, while XXXX XXXX TransUnion report 72 months ( inconsistent ). 
Incorrect balance reporting after repossession : XXXX XXXX  repossessed my vehicle on XX/XX/XXXX, but has not yet sold it. 
Despite this, credit bureaus continue reporting a balance, violating UCC 9-610 and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 
Failure to update the dispute status : XXXX marks the account as disputed, but XXXX XXXX TransUnion fail to mark it as disputed, violating 15 U.S.C. 1681s-2 ( b ). 
Misleading reporting affecting my creditworthiness : XXXX reports " Voluntary Repossession, '' while XXXX lists " 120 Days Late. '' This contradicting information violates FDCPA ( 15 U.S.C. 1692e ( 8 ) ), which prohibits false or misleading representations in credit reporting. 
Failure to notify all credit bureaus of corrections : If the account is corrected or removed by one bureau, XXXX is legally required to notify the others under 15 U.S.C. 1681i ( a ) ( 5 ) ( D ), which they failed to do. 
I have disputed this information with the credit bureaus and XXXX XXXX, yet they failed to conduct a proper reinvestigation as required by 15 U.S.C. 1681i. Their failure to verify, correct, or remove the inaccurate data has resulted in damages to my credit profile, affecting my ability to secure financing.
Product: Credit card

I attempted to open a credit card with capital one, and i think it might be a scam. They asked for my routing and account numbers and i gave those numbers to them. So yesterday XX/XX/XXXX I signed up to put a deposit of {$99.00}, they have not taken money out of my account yet but the whole thing seems off.
Product: Checking or savings account

I have Few CD 's with BBVA Bank. I asked them to close and credit the fund to my money market account. I followed all their instruction. 
Even after all that I called them and they would not take care of the problem. I had to call them 5, 6, even seven times and they credit the fund after 7 to 8 days. 
I want them to pay the Interest at my cd rates for those days. Also not following my instruction and westing my time I would prefer to be compensated for the time and inconvenience.
Product: Checking or savings account

I put money in my Robinhood account after getting my check so I could use XXXX to pay my rent. My XXXX account isnt useable with XXXX. They then locked my money because they say the account has been dormant even though I have always used it off and on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX ( this is the second account listed with this company ), XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account # XXXX XXXX there's two accounts listed with this company ) , has violated my rights.

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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited XXXX XXXX XXXX & got a loan through XXXX for a vehicle in XXXX. InXX/XX/XXXX I totaled the vehicle & my insurance company paid out XXXX. This is currently showing on my credit as being reported late with a XXXX balance.
Product: Mortgage

Loan Number XXXX with Ocwen. Ocwen is showing much more than what I owe on my Loan with them. Loan was taken out in XXXX XXXX for XXXX. Since then they are saying I owe XXXX. I have been trying to get statements showing my payments since XX/XX/XXXX. Recently with your help I did get them from XXXX/XXXX/XXXX but nothing before. The statements that I did receive had many discrepancies. I will up load the XXXX different statements to you showing the discrepancies. Beginning with the oldest statement that I have but not going to original date of XX/XX/XXXX. The oldest I have is XXXX/XXXX/XXXX to XXXX/XXXX/XXXX there were several payment that no interest or principle was applied those dates are XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Unexplained fees on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Other discrepancies were pages XXXX to XXXX were not mailed to me. Ended balance after XXXX/XXXX/XXXX was showing at {$81000.00} with all the discrepancies. Statement dated from XXXX/XXXX/XXXX to XX/XX/XXXX Balance was lowered to XXXX then they added a suspense application fee of {$510.00} bringing it back to {$81.00}, XXXX. Statement dated from XX/XX/XXXX to XX/XX/XXXX Many property inspection fees and valuations XXXX were done on XX/XX/XXXX only Balance was down to {$79000.00} on XX/XX/XXXX then I tried to get a modification and they told me I was going to lose my home many times unless I signed the trial payment. I had no choice and they increased my payments were I could n't afford and increased my Balance to XXXX. This was ILLEGAL but I thought I had no choice at the time. Statement dated XXXX/XXXX/XXXX to XXXX/XXXX/XXXX incorrect Balance of XXXX. Again I feel they increase my balance of my loan illegally and do n't owe what they are showing with all their fees and increase of balance. This is illegal unfair practices. I am still trying to get the statements from XXXX XXXX to XXXX XXXX to see if they have also made incorrect charges or did n't give me credit for my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX  / {$4000.00} / XX/XX/2022 XXXX / {$6500.00} / XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/XXXX, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I received an email that my account was suspended. I did not receive any additional information. I can not log into my account. I tried customer service number but could not reach someone in customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX I filed a dispute with Transunion around XX/XX/XXXX in which the item could not be verified, so the item was deleted. Later, it was reinserted. I reached out to them about the reinsertion and requested a deletion, but they continue to report this inaccurate account on my credit file. 

I filed a dispute with XXXX who was reporting a monthly payment amount of {$47.00} when Transunion and XXXX was reporting {$0.00}. Upon filing a dispute with XXXX, they updated the monthly payment to {$0.00}, but also changed the first reported delinquency date to XX/XX/XXXX when they first had it reported as XX/XX/XXXX. There are too many inaccuracies and contradictory information being added and removed by all 3 bureaus ( Transunion, XXXX, and XXXX ), and is a violation of 15usc 1681eb. I want this account removed from my credit file with all 3 bureaus immediately.
Product: Credit card or prepaid card

The fraud charges below were reported to credit card company who state they are unable to stop charges as they state the XXXX XXXX XXXX company pays an extra charge to XXXX to over-ride each new card they send me. The credit card copy could stop the charges, in my opinion if they contacted XXXX XXXX XXXX XXXX XXXX and said there is fraud being committed that needs to be stopped. But they wont do this. 

XX/XX/2023 XXXX XXXX XXXX XXXX TX {$97.00} XX/XX/2023 {$85.00} XX/XX/2023 {$85.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing XXXX XXXXXXXX XXXX on my credit report by aidadvantage. I submitted documents showing that these loans are dismissed due to a lawsuit and Needs to be removed from my credit report.
Product: Student loan

I have been trying to log into Nelnet for the past 2 months and keep getting an error on my account. I can't get any information on my student loans and Nelnet will not respond to phone calls or emails.
Product: Mortgage

My homeowners insurance was due at the end of XXXX. Prior to that date, I switched companies which should save $ XXXX/yr. TMS paid both the old insurance and the new insurance. I received a refund from the old insurance and sent TMS {$1300.00} refund. I asked them to redo the escrow analysis at that time. 

They applied the {$1300.00} to suspense/escrow on XX/XX/XXXX. As of today, they have not completed a new escrow analysis. They expected to have it completed by XX/XX/XXXX. 

They have increased my payment to {$1900.00}, from {$1600.00}, and now say that amount will be due for XXXX also. 

It should not take 3 months to do a new escrow analysis. We have taken a hit with covid, but somehow we're managing. This is not helping!
Product: Bank account or service

My wife and I sold our house. At close, we received a check from the title agency, of the equity from our property. We endorsed the check, using my wife 's signature, and deposited it via ATM at a local Bank of America branch. On the next business day, my wife called the branch to confirm that there will be no issue with the deposit. The branch agent confirmed emphatically that there will be no issue. However, Bank of America ultimately rejected the deposit, claiming that a check of such great amount required XXXX of our signatures and that XXXX parties stated on the check as members on the bank account. The bank then lost control of the check as it circulated it through its internal return process. The bank could not tell us what happened to the check once it was rejected for deposit. The bank passed us through a labrynth of unhelpful customer service agents. We have gotten nowhere with the bank. All of this trouble is due to the bank branch simply not contacting us to request additional information and instead losing the check through its inadequate procedures. We remain without the equity from the sale of our home. This is money that we needed to buy a new home, and so our lives have been adversely affected by the bank 's negligence. Until this money is uncovered, we will not be able to honor our contractual obligations to purchase another property. There was no contingency for this problem in the contract, and so the seller may hold us in breach of contract.
Product: Checking or savings account

On XX/XX/2022, I have deposited a check of {$9700.00} on my checking account. The check was sent by my employer named XXXX XXXX under the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, IL. It was a check from my employer who offered me a virtual job online. The purpose of this check was to make business transaction such as paying bills, payments to the suppliers etc on behalf of the company. When the check was deposited, the funds were available within the night and me trying to be cautious left the fund untouched for 6 days just to give the bank some time to verify it. The funds were in the account for days and the bank did not notify me anything about the check. After 6 days, I proceeded with my job duties; such as making payments on behalf of the company. On XX/XX/2022, the bank decided to make my account negative of {$9200.00} and when I called the bank to make sure what has happened ; they told me that the check was a counterfeit check. I immediately tried to reach out to my employer and due to their no responses ; I had realized that I was scammed. Then I contacted the bank for couple of days to help me with this issue but they denied to help me. They have even denied to claim this case as a FRAUD CASE. My question to the bank was WHY DID THE BANK GAVE ME THE FUNDS IMMEDIATELY WITHOUT VERIFYING THE CHECK? WHEN I LEFT THE FUNDS UNTOUCHED FOR DAYS, WHY DID THE BANK NOT INFORM ME THAT THIS WAS A BOUNCED CHECK? I WOULD HAVE NOT MINDED IF THE BANK TOOK SEVERAL DAYS TO VERIFY THE CHECK WITHOUT MAKING THE FUNDS AVAILABLE. I tried to get some help with this scam issue ; they did not care to even help me with my concern. I am a student and I was scammed. I do not even have a penny to pay the bank. The bank was very ignorant to even listen to me. Since all of their calls are recorded, my concern was recorded as well and so was their denial of helping me. I CLEARLY DO NOT WANT ANY MONEY FROM THE BANK, I JUST WANT MY BALANCE TO COME BACK TO XXXX DOLLARS. I have no assets or money to fix this negative balance. I am not liable for a scam that was unintentional.
Product: Mortgage

Last year I applied for a VA Streamline refinance for an interest rate deduction with my mortgage lender, Navy Federal Credit Union ( NFCU ). Shortly after I signed my closing documents, I received an email from NFCU stating that there was a short and that I need to pay an estimated {$4500.00}. I complained to NFCU and submitted a complaint via CFPB. According to NFCU in a follow-up call, the issue was created from monies deducted from my escrow account to pay XXXX property taxes. NFCU further stated that the problem was resolved and that I did not have to pay the money. In XXXX, I received a final notice from the XXXX County tax collector 's office requesting payments for the property taxes. I contacted NFCU about the issue, and during the initial conversation on the phone, an agent assured me that the taxes were paid and there was documentation to back that up. Not being satisfied with the answer, I decided to conference the property tax office to discuss the issue. The property tax office denied receiving payments from NFCU during the call, which lead the agent to conduct further research. It turned out that NFCU had not paid the taxes ; therefore, they could not provide the proof of payment that the tax office was requesting. NFCU has since settled the tax bill on XXXX XXXX, XXXX ; however, they're requesting that I pay the money back. I feel they misled me because I paid {$5000.00} during closing for the refinance, and now I'm asking to come up with additional funds. My closing disclosure clearly states that taxes and insurance updates were part of my loan estimates.
Product: Debt collection

It was XXXX XXXXXXXX XXXX I was to mail back the transponder and I never received a box to send it. Then they put me into collections and I never got a chance to fix it by sending it out to them.
Product: Mortgage

This account is not mine and should not be on my credit report. I filed bankruptcy on this property.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment regarding the unresolved status of my filed complaint concerning the account referenced in my previous correspondence. Despite my efforts to rectify the inaccuracies on my credit report, I have yet to receive a satisfactory resolution.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my report that I have no knowledge of this account is in violation of fcra sec 609a1a and sec 611a1 and I've tried several times to repair this with no avail this is destroying my life its difficult to get a home a car and many other things as well due a delinquency on my ereport
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit BureausXXXX XXXX, 2022 to update/correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. I'm including it again. 
XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX : {$190.00}
Product: Credit reporting or other personal consumer reports

They have been running my credit on several occasions and lowering my credit limits on several cards. Also by lowering these limits, they have been negatively affecting my score. I have never been late with payments on any of my obligations. In fact, Ive either paid these debts off, paid up to10x the minimum payment.
Product: Consumer Loan

BMW FINANCIAL IS REPORTING A CHARGE OF ON MY CREDIT REPORT AND AGRESSIVELY ATTEMPTING TO COLLECT DEBT ON THE VEHICLE THAT i RETURENED BACK IN 2011 AND WAS TOLD THAT NO BALANCE WAS DUE FROM ME DUE TO THE FACT THAT THEY WERE XXXX TO RESELL THE CAR AND I PAID ALL THAT WAS DUE FROM ME TO CLOSE THAT ACCOUNT. SEVERAL YEARS LATER I DISCOVERED THAT MY CREDIT REPORT HAS A CHARGE OFF FROM BMW FINANCIAL FOR {$6700.00}. I CONTACTED BMW AND AFTER 7 MONTHS OF CALLING AND WRITING TO THEM ( i DO HAVE A PROOF OF MAIL SERVICE TO BMW ) THEY FINALLY RESPONDED WITH THE LETTER STATING THAT I STILL OWED THEM {$790.00}. HOWEVER WHEN I CALLED TO PAY I WAS DEMANDED {$6700.00} AND THEY DID NOT AKNOWLEDGE THE LETTER ... THIS HAS BEEN DAMAGING MY CREDIT FOR YEARS AND I STRONGLY BELIEVE THAT BMW HAS VIOLATED FAIR CREDIT REPORTING AND FAIR CREDIT COLLECTIONS ACT. I 'M HAPPY TO SUPPLY ANY AND ALL SUPPORTING DOCUMENTATIONS AS NEEDED IN THIS LEGAL PROCEEDINGS
Product: Credit card or prepaid card

I contacted my vanilla prepaid card services because I have over XXXX in pending refunds that I haven't received yet and I was told upon checking she can see that the refunds had been deposited band started staying dates that they had been posted on so I then replied if that is the case why haven't I been alerted when the loads was credited to my account I'm set up for alerts I say I get alerts when I spend money so why am I not receiving when it's been loaded it doesn't make since that's basically your word against mines where's the proof that's why I have you guys Im order to protect my account who's to say if it was ring that I'm looking at my account and it still saying that it's pending the representative then stated I assure you it has and I will have them look into why you aren't recieving alerts I then stated I am receiving alerts you just aren't sending me my load credits once again she assured me they where so now here 's where the problem is I used my card yesterday at XXXX to do another return XX/XX/2022 and I purchased a few things I go home to check my balance I can't access my account I then call my vanilla and are told that my account and card has been compromised by a bad check balance web site that I was using so we have to send u out a new card what I stated i been using the same website I been using for years that's XXXX 's so now I have returns I can't get im locked out of my account and now I have over XXXX on refunds pending that I still haven't received back from XXXX or from XXXX XXXX XXXX  because they insist that I received when my account is telling me otherwise and I wasn't notified via text or email I luckily downloaded my statement because I had a feeling they where going to try and pull something please help I have 2kids bills and money I don't have access to