23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( XXXX ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Product: Mortgage

We applied for a residential mortgage on XX/XX/2017 directly with Quicken loans We locked the rate in at 4.375. My co applicant was the main point of contact and over the course of 90 days, she expressed frustration on the lack of response, confusion over fees which changed constantly I took over as the main contact in XX/XX/XXXX, identified what I perceived as the fees disclosed from the various disclosures and an assurance that we would close by the next rate lock of XX/XX/2017. I was told that everything was in place and no problem going forward. The process moved from person to person with a complete lack of timeline. The XX/XX/XXXX rate lock passed despite earlier assurances to the contrary. XXXX was told that there would be no problem with the rate lock being extended at no cost. We received a disclosure dated XX/XX/XXXX which was agreeable. 
The process continued to drag and when the final numbers were put to us, the closing costs were XXXX compared to the XX/XX/XXXX disclosure of {$3500.00} in closing costs after a constant flipping between the discount rate and the credits back to us. This is a difference of {$700.00}. The responses back from Quicken/XXXX XXXX were unbelievable " I would be upset if I was in your place ''. " There is nothing that you did wrong ''. " This is as good as it gets ". At my insistence on speaking to his supervisor, I was told " You can but it wo n't do you any good '' XXXX supervisor XXXX XXXX gave me the same message " There are no more credits to give '' Since the rate lock was coming up again and the appraisal was due to expire, we reluctantly proceeded to closing and signed the papers as is. 

When I reviewed the documents, Quicken had put both of us on the Deed of Trust despite our agreement that I would only be on the loan and not the property. When I questioned this with a Quicken " title expert '' XXXX XXXX, I was told that the deed only affected the loan and not the property. Wrong! 

Now I am having to employ an attorney to prepare a quit claim deed and have it recorded and pay a transfer tax ( as well as legal fees ) in order to remove my name from the property. I am damaged in that by paying {$700.00} more in fees, there was less cash disbursed to me and now my co applicant has to pay me that cash out of her pocket. Overall I feel that we were deceived and having to pay additional fees. I have no doubt that Quicken wanted this loan to go away because the rate was under market and at no time did I feel that they were making the process clear and helping us close the loan. I am a banker and know what I am doing so I hate to think what an unsuspecting lay person would be subjected to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding the Chapter XXXX Bankruptcy remark filed in XXXX, Ga on my Experian report. The following dates this remark has been disputed in 2019 : XX/XX/XXXX, 2019- Report # : XXXX XX/XX/XXXX, 2019- Report # : XXXX XX/XX/XXXX, 2019- via CFPB, XXXX XX/XX/XXXX, 2019- Report # : XXXX Ive reached out via certified mail, through your dispute portal via web and through the Consumer Financial Protection Bureau . Ive requested several times for information to validate your findings with XXXX. XXXX ignored my requests even with proof attached that their verified consumer report states there is no active nor dismissed case. I have spoken with XXXX via phone as well as paper trail getting the same response from the company. The XXXX XXXX listed informed me that they do not work with credit reporting agencies like Experian therefore they could not confirm nor deny any information. Experian continues to report unverified information about a Chapter XXXX Bankruptcy without proof of your findings. A general statement was responded back to me via CFPB XX/XX/2019, stating the vendor has claimed the information as accurate. Theres no proof Experian verified this information via paper trail besides sending a vague updated resolution letter that states the information is verified. Ive provided documents by XXXX that contradicts your findings. 
This is my final attempt at reaching out via CFPBs website and paper trail before having no other choice but to take legal actions. Under the FCRA, all information being reported must be verified, not falsely reported. Please AGAIN, submit proof of your findings with XXXX via mail and by uploading through CFPB site for my records. If you cant verify the information as accurate as well as provide documentation, please remove the remark from my credit report. 
Attached is the XXXX report showing no reporting Chapter XXXX Bankruptcy Ive submitted to Experian. Ive even attached my XXXX report showing how another reporting agency is correctly reporting the information. 


XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Product: Mortgage

My original mortgage provider was XXXX or the XXXX XXXX. I refinanced my loan with XXXX on XX/XX/XXXX and I XXXX obtained a payoff quote from The XXXX XXXX XXXX XXXX XXXX and paid off the total amount. 

The XXXX XXXX  transferred my loan to The Flag Star Bank and flag star bank is calling me to collect some {$5700.00} ( approx ) and they are telling me that they will put my account in the late payment and my credit will be ruined if I do not make the requested payment. 

My loan is with XXXX and I am making payments to them. 

I explained flag star bank many times about this situation. I think they do not want to understand the situation. why would I pay them?
Product: Debt collection

On XX/XX/XXXX At XXXX I received a voicemail from XXXX XXXX XXXX XXXX regarding a debt that was owed to Tebo Financial. I contacted the company and spoke with XXXX and advised him that on XX/XX/XXXX I had filed chapter XXXX bankruptcy and that this debt was included in the case. I provided the representative with the case # XXXX, and the representative continued to try to collect on this debt. When I advised him that he was in violation of the bankruptcy laws once given this information ; the representative continued. I ask to speak with his supervisor and also advised him that upon given the bankruptcy information calls and collections must stop. 

XX/XX/XXXX at XXXX ; I received another voicemail from XXXX XXXX XXXX that was and automated message, so I called the company again and advised that calls are to be stopped, and Spoke again with XXXX and was advised that was automated system. 

XX/XX/XXXX at XXXX XXXX ; I again received another voicemail from XXXX XXXX company regarding the same debt for Tebo Financial, and again spoke with XXXX. I advised him once again that they were violating FDCPA, Bankruptcy, and other laws since they were given the bankruptcy information and I informed them if the calls continued I would contact the Bankruptcy court, and file a complaint. 

XX/XX/XXXX at XXXX XXXX : I received another voicemail from XXXX XXXX XXXX from representative XXXX. I returned the call and advised XXXX that I had already provided the information regarding the Bankruptcy information and that there are to be no more calls. The representative stated that there were no records of this information, and that he would look into it and ask if he could call me back. I advised him that he could not call me back that the information was already given, and he could check that Bankruptcy court. I received another voicemail on XX/XX/XXXX at XXXX. 

XX/XX/XXXX at XXXX XXXX, XXXX XXXX, and XXXX XXXX I have received voicemails from XXXX again asking to return call regarding this debt. This has now become harassment and I want this company stopped
Product: Credit reporting or other personal consumer reports

I spoke to several different departments within Chase Credit Card department on XX/XX/XXXX regarding the unauthorized hard inquiry that placed on my XXXX report on XX/XX/year>. They informed me that they contacted XXXX on XX/XX/XXXX requesting that the inquiry be removed, the inquiry has not been removed and when I contacted chase today XX/XX/year> requesting written verification that they sent the request to XXXX on XX/XX/XXXX to remove the inquiry, the rude representatives told me that they could not provide me with it. I have to wait 90 days.
Product: Mortgage

We got behind on the mortgage Man called, save us from loss mitigation he gave me an alternative way to pay my payments. Turns out he was scamming me. I paid a barcode at XXXX twice for the amount of {$600.00}. Please help XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My Credit Report under FCRA 1681 ( c ) ( 2 ) To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report. This dispute is filed under the protections afforded by the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( c ) ( 2 ), which outlines my rights as a consumer to dispute inaccurate or incomplete information directly with the furnisher of the information and ensures that such disputes are properly investigated. Additionally, I am invoking my rights under the following laws that further protect consumers from inaccurate credit reporting : 1. FCRA 1681 ( i ) : This section requires credit reporting agencies to conduct a reasonable investigation of any disputed information within 30 days of receiving a consumer 's dispute. 2. FCRA 1681 ( e ) : This section mandates that information reported about a consumer must be accurate and complete. 3. FCRA 1681 ( s ) : This section provides additional protections against identity theft, ensuring fraudulent accounts are removed promptly after proper verification. 4. The Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from reporting false or misleading information to credit reporting agencies. Disputed Item Details : * Creditor/Furnisher Name : XXXX XXXX * Account Number : XXXX * Date of Reported Issue : XX/XX/year> The following information is incorrect or incomplete for the following reasons : 1- accounts number shows incomplete 2-date reported do not match in the 3 credit bareus 3- the account has been marked as charged off repeatedly that is illegal I have attached the following documents as evidence to support my dispute : 1. A copy of my credit report highlighting the disputed item ( s ) 2. [ Other supporting documents, such as proof of wrong information reported in my credit report Pursuant to the FCRA and the above-mentioned laws, I respectfully request the following actions : 1. Investigate the disputed information with the furnisher of the data. 2. Correct or delete the inaccurate information if the investigation confirms its inaccuracy. 3. Provide me with the results of the investigation and a corrected copy of my credit report. 4. If applicable, provide me with the name, address, and telephone number of the furnisher contacted during the investigation. Please be advised that the FCRA mandates credit reporting agencies to complete investigations within 30 days of receiving a dispute. I expect a timely resolution to this matter.
Product: Money transfer, virtual currency, or money service

I am filling a compost against cash app ( 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 the platform, leaving my account vulnerable and unprotected.Futthermore, 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 seek appropriate redress
Product: Checking or savings account

I have a XXXX XXXX account with XXXX XXXX that was linked to my Santander Bank account. I deposited a check given to me by a client in to this checking account, the check was bounced and as a result Santander put the account '' on Hold '' for 5 days. When it did it they never advised me of this-I did get a letter 5 days later advising me of this ; the same day the hold was lifted. In the meantime, not being aware that the account was on hold, I went in to XXXX XXXX, like I do every day, to buy coffee and a paper for {$5.00} for two days. These charges were approved in the store but subsequently rejected by the bank. When that happened, XXXX XXXX sent the two charges to a collection agency who in turn sent me two collection notices for {$40.00} each ( {$35.00} fee and the {$5.00} ). I tried to get the fees waived by the collection agency ( XXXX, XXXX, KY ) but they flat out rejected my effort. I then called Santander and was told that since they did not assess the 2 {$35.00} fees they would not refund them even though I pointed out that had they notified me when the account went on hold I never would made the two {$5.00} charges. When I appealed to a " Supervisor '' he also flat out rejected my request. While I am filing a complaint against Santander I do not think the collection agency or XXXX XXXX were exacttly consumer friendly.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Information on Credit Report - Account # : XXXX To Whom It May Concern, I am writing to formally dispute inaccuracies and inconsistencies I have identified on my XXXX credit report regarding the account identified above. Per the Fair Credit Reporting Act ( FCRA ), I am requesting that XXXX investigate and correct the following inaccuracies. The FCRA mandates that information reported on consumer credit reports must be accurate, verifiable, and timely. 

Inaccuracies and Discrepancies to Address : 1. Account Opening Date Discrepancy Reported Date Opened : XX/XX/XXXX Other Bureau Discrepancy : TransUnion shows XX/XX/XXXX as the date opened. 
This discrepancy raises questions regarding the accuracy of this accounts initial reporting. [ FCRA Section 609 ( 15 U.S.C. 1681g ) ] provides me the right to dispute and request verification. 
2. High Credit Amount Inconsistency XXXX Reported High Credit : {$0.00} TransUnion Reported High Credit : {$3700.00} This large discrepancy between the bureaus does not accurately reflect my account history and is misleading. [ FCRA Section 623 ( 15 U.S.C. 1681s-2 ) ] requires that furnishers of information, such as credit card companies, provide accurate data to credit reporting agencies. 
XXXX. Date Last Active Inconsistency Reported Date Last Active by XXXX : XX/XX/XXXX Discrepancy with Other Bureau : TransUnion shows XX/XX/XXXX as the date last active. 
This discrepancy significantly affects the reports accuracy, and under [ FCRA Section 611 ( 15 U.S.C. 1681i ) ], I have the right to request correction of this inaccurate information. 
4. Comment Discrepancies and Current Status The comment Consumer disputes- reinvestigation in progress and Amount in H/C column is credit limit suggest an ongoing dispute. Additionally, the account status reflects Derogatory with a Collection/Chargeoff payment status. I would like verification and correction of these details if they are inaccurate, as required by [ FCRA Section 605 ( 15 U.S.C. 1681c ) ] regarding the reporting period and accuracy of derogatory items. 

I request that XXXX conduct a thorough investigation of these items, correct any inaccuracies, and update my credit report accordingly. Please send confirmation of these corrections or the investigations outcome to my address listed above. 

Thank you for your attention to this matter.
Product: Debt collection

Texan Credit has been calling employer, has called numbers not on file and those numbers have contacted me, harass on phone calling repeatedly using various numbers and repeated times. XX/XX/24 called my sister in law whom I did not share her phone number but got from my phone company report. Called me that same day. I communicated with them that currently on short term XXXX due to high risk XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize inquiry from CCB/BreadXXXX  made on XX/XX/XXXX with removal date of XX/XX/XXXX. The other inquired was made by CCB/BreadXXXX on XX/XX/XXXX with removal datw of XX/XX/XXXX. Vendor has no number to call and they do respond to mail. 

my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN XXXX. 

This appears on my XXXX, XXXX and XXXX Credit. Report. I wish to have both inquiry remove from all Credit Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX a XXXX XXXX account was open in my name for XXXX. This XXXX XXXX  account is inaccurate its not mines and I didnt open it.I lost my wallet in XXXX also my info is on the dark web according to XXXX. They couldnt have used my current ID because I have it if an ID was even used because I have a fraud alert on my account and didnt even receive a call to my telephone number before they ran my credit. I paid a few payments simply because I did not want it to effect my credit score. I thought this would be resolved by XXXX  but it isnt. I contacted my credit bureau and still nothing they arent assisting me because XXXX  is stating the information is accurate, this been going on for a year. I need some assistance. I have never been late on a payment ever this fraudulent account is coming into my livelihood. I shouldnt be responsible for a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not following the FCRA concerning consumer accounts. My recent credit reports are still inaccurate. This now requires immediate attention. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting agencies. I am very concerned as this has made a tremendous negative impact on my credit reports. After speaking with XXXX XXXX and receiving a letter from them which is the collection in dispute, I filed disputes letters including the letter from the collection company to Equifax, XXXX, and XXXX that explains the accounts does not belong to me. XXXX and XXXX have removed XXXX XXXX  from my reports. I had reached out to Equifax XX/XX/2020 explaining these accounts listed from XXXX XXXX does not belong to me and is reporting inaccurate on my credit report. Equifax sends a report stating my dispute has been verified as accurate. I took the liberty of reaching out to the collection agency asking for verification of any sort to verify these accounts ( amount {$200.00}, amount {$89.00}, amount {$120.00}, amount XXXX, and amount {$160.00} ). A representative from that company stated they have no record and was not able to send any documents with my signature or anything that connects me to these accounts. I ask for a letter in writing. ( attached to this complaint ) XX/XX/2020 and the last report XX/XX/XXXX # XXXX from Equifax STILL is stating they have verified the accounts to be accurate. After receiving this last report from Equifax, it is very sad to say, no one is taking the time to truly investigate, but sending falsified automatic letters to justify their investigation. Some of these third-party collections agency are robbing people and scamming people and will not and can not send verifiable documents of any sort when consumers like myself ask for proof. I have asked Equifax through their website ( Myequifax.com ) to send me the paperwork that backs up their opinion and a detailed report that goes over Equifax procedures of their INDEPENDENT INVESTIGATION instead of reporting intentional inaccuracy on a consumer report. I have not received a response. Again, XXXX   and XXXX  have removed XXXX XXXX  from my reports. Equifax is the only bureau that is not abiding by the law. If this is not rectified, I will be moving forward to file a lawsuit against Equifax. I am filing my last complaint with the Consumer Finance Protection Bureau hoping this can be rectified.
Product: Credit card

The XXXX XXXX from this situation is XXXX affecting my sleep quality and leaving me unsettled. The XXXX feels difficult to reconcile with my consistent payment history.
Product: Debt collection

On XXXX XXXX I went to the XXXX XXXX center for a XXXX  screening. I was an uninsured patient, which means they made me pay in full upfront before rendering any services. So I paid in full, got my receipt and left the facility. In XX/XX/XXXX I get a letter from " Wakefield and associates '' claiming that I owe the XXXXXXXX XXXX XXXX  XXXX. I immediately sent them a debt validation letter explaining that there was no way that this was possible. Well, It's XX/XX/XXXX. They respond with a receipt from XXXXXXXX XXXX XXXX, showing that I paid in full, however there's some " adjustment '' added for XXXX XXXXXXXX XXXX XXXX has never once contacted me since I left the facility. Just Wakefield and associates..As I stated earlier, I paid everything they asked for upfront and I was a one time patient with them with no insurance. They can't crop up charges 7 months after I'm gone, not contact me about it, then have Wakefield and associates try to collect a debt! I'm not in debt with them, I was a customer buying a product. This was a one time transaction. I've got my receipts and all documentation from the visit to prove that fact.
Product: Payday loan, title loan, personal loan, or advance loan

I made a payment online to Republic Finance for the amount of {$160.00}. When the confirmation email came to my email address, it stated I made a withdrawal of {$350.00}. I immediately called the local branch ( XXXX location in Ohio ) and they did nothing. I then called the corporate number and was helped by a very nice lady but can not see where the problem is fixed. The extra {$190.00} will over draft my account. I do not have an extra {$190.00} to spare. This is predatory lending and this company made an unauthorized withdrawal. I do not want this to happen again.