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

I recently reviewed my credit report and noticed several inaccuracies regarding an account listed under XXXX. The details are as follows : Account Number : XXXX Account Type : Open Account Account Type - Detail : Telecommunications/Cellular ( XXXX ), Collection ( Equifax ) Bureau CoXXXX : Individual Account Status : Derogatory Balance : {$6500.00} High Credit : {$6500.00} Credit Limit : {$0.00} Past Due : {$6500.00} Payment Status : Collection/Chargeoff ( XXXX ), Late 120 Days ( Equifax ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Last Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Last Active XXXX XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date of Last Payment : - ( XXXX ), XX/XX/XXXX ( Equifax ) Comments : Collection Account Account information disputed by consumer, meets FCRA requirements Consumer disputes- reinvestigation in progress Collection account Request for Amount and Calculation of Debt ( 15 USC 1692g ( a ) ( 1 ) ) Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting detailed validation of the amount of the alleged debt, including a breakdown of how this amount was calculated. Please provide a detailed account of how the balance of {$6500.00} was determined.

Method of Verification and Reinvestigation Procedure ( 15 USC 1681i ( a ) ( 7 ) ) Under 15 USC 1681i ( a ) ( 7 ), I am requesting a description of the reinvestigation procedure used to verify the accuracy and completeness of the information reported on my credit report. This should include the business name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with this information. This description should be provided within 15 days of receiving this request. 

Specific Issues and Discrepancies : Differences in the Date Opened : XXXX states XX/XX/XXXX and Equifax states XX/XX/XXXX. 
Variations in the Date Last Active : XXXX indicates XX/XX/XXXX and Equifax indicates XX/XX/XXXX. 
Payment Status : XXXX reports Collection/Chargeoff while Equifax reports Late 120 Days. 
Please provide the requested information and correct the inaccuracies on my credit report. I expect your response within the time frame specified by law. If the requested information is not provided or if the discrepancies are not resolved, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and possibly seeking legal advice.These accounts have erroneous and inaccurate information and have different opening dates in XXXX and Equifax, different amounts and do not say who the supposed original creditor is. They are reporting inaccurate information in XXXX and Equifax
Product: Student loan

On XX/XX/XXXX I repaid Navient {$93000.00} in a lump sum to pay off my private loans. To make this payment, I used money I received from a medical malpractice settlement that has permanently changed my way of life. Given the settlement with Navient in XXXX, I feel I am entitled to receive all of that money back as restitution for predatory lending practices. Those 4 loans had variable interest rates from 6.75-16 % and accounted for the majority of my student loan debt which is why I repaid them first. The Navient AG settlement gave full relief to anyone that had subprime private loans taken out before XXXX. My loans were taken out from XXXX. Not only did I attend a for-profit school that misguided me to take out these subprime private loans, but my college closed four years later, and my degree is essentially useless. In hindsight, had I known about the Navient settlement, I would not have repaid these loans in XXXX. I did what I thought was right at the time and am now suffering for it financially.
Product: Checking or savings account

On XXXX XXXX, we received 3 text messages ( see screenshot below ) from Chase Bank that an individual by the name XXXX XXXX XXXX added as a recipient for a XXXX transaction. Our Chase account is XXXX XXXX 
Not recognizing this individual, we immediately called our local Chase Bank branch and they froze our account. 
We then went to the bank in person and met with a Representative, XXXX. He helped us work with Chase fraud and they said they would refund the money. 
On Weds, XXXX we followed up with Chase to see if the reimbursement was still coming. They said no, we had been denied because the login used to add the recipient was used on my phone, according to the IP address. 
When the recipient was added, and we were texted, I was actually holding my phone and had not logged in to the bank app recently. Any login at that time was fraudulent, as both my wife and I were at our home. Neither of us had logged in to the account. 
This XXXX payment was fraudulent, we never added the recipient, and never authorized the transaction, and notified Chase within minutes that it was not a legitimate recipient. We then went to the branch office and continued the fraud claim in person. 
We believe Chase is at fault, and should reimburse us our funds.
Product: Credit card

I have a Q card which is QVC 's card through Synchrony bank. I made a purchase on the card taking advantage of their easy pay plan which bills the card in interest free payments. I received my bill with the first amount billed which was correct. Then I noticed a fee of {$1.00} for receiving a paper bill. I have had this card for several decades. I never received any notification that unless I used E statements there would be a fee. I talked to a representative at Synchrony Bank who was no help and would not remove the charge. I did sign up for XXXX statements since but probably won't use this card again. 

The statement was received around XX/XX/XXXX. It is due XX/XX/XXXX. My easy pay payment was {$32.00}. I was billed {$34.00} which included the {$1.00} fee. Since the representative at Synchrony Bank would not remove the fee. I paid the total amount on XX/XX/XXXX through my on line bank. 

I realize it was only {$1.00} but these fees add up.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian fail for provide factual documents about these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. the credit bureaus XXXX, Experian and XXXX
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. Account : XXXX XXXX XXXX XXXX number XXXX XXXX payments late years XXXX. In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently spoke to a member at Capital One XXXXemployee id XXXX, who was great to me honesty, he said he would happily remove the listed inquiries from my report and they will be off my report within 24 hours, ,1st inquiry -date XX/XX/ Apllication number-XXXX,, Inquiry number 2- date XXXXapplication number-XXXX for unauthorized and incorrect inquires that NEED TO BE REMOVED INSTABwere not approved by me or made by me .Agent told me he would remove thinquiries with no problem and it would refelct by the calender day, but this, is now month two AND THE NEGATIVE ACCOINTS REMAINS ON MY REPORT EVEVEN AFTER THE CONFIRMATION THAT I PREVIOUSLY REACHED OUT TO CREDITOR.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach across all three bureaus XXXX, Experian, XXXX. As a result I want to the information on all three deleted that is derogatory. All of my information was exposed. I haven't received payment yet or any financial compensation from XXXX or any other bureau. I want all derogatory items erroneous, etc removed within 30 days from all three bureaus.Credit reform act is supposed protect consumers information collected by the credit bureaus it did not.Section 605B FCRA, as a result 623 ( a ) ( 1 ) ( B ). I have disputed inaccuracies with all three bureaus.
Product: Checking or savings account

This complaint is regarding a transfer of XXXX from XXXX XXXX into my Fifth Third account. The original date of the transfer is XX/XX/2019. I did a real time transfer from XXXX XXXX into Fifth Third however the transfer never completed. I have spoken to XXXX XXXX including customer service, the local branch XXXX XXXX, and the executive office XXXX XXXX which have all been of no help. a complaint was originally sent to XXXX XXXX  and received and investigated by XXXX XXXX at the executive office but her claim is it is Fifth Third fault and that XXXXXXXX XXXX  has no responsibility. I need help I am missing XXXX that was to be transferred from XXXX into Fifth Third on XX/XX/2019 however something went wrong and I have never received the funds into Fifth Third and the funds are missing. I don't know where the money is, I am missing my money and I just want help finding where the transfer went and I want my money. XXXX is missing and that's a lot of money. We need that money found and returned to the account. 

included will be XXXXXXXX XXXX  correspondence which they have provided no help and put the responsibility on Fifth Third.
Product: Mortgage

Amerisave File # XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Application completed on XX/XX/XXXX Loan terms = Rate was 3 % {$6200.00} points not locked XX/XX/XXXX Loan terms changed to 3 % {$4000.00} points locked expired XX/XX/XXXX because we were supposed to close by then. 

XX/XX/XXXX received another loan terms agreement - Rate 3 % {$3900.00} points with lock in expiration of XX/XX/XXXX. 

XX/XX/XXXX ( 2 days before closing ) we receive another loan terms agreement - Rate 3 % {$10000.00} points. We called the loan officer and processor and no one would call us back. We were finally told that they pulled our credit and your credit score changed. I said you never advised us you were pulling our credit ( 3 people on the loan ). Whose credit score dropped and to what and why? And they could not and would not provide any further information. As we had waited for 4 months and were closing in 2 days, we had no choice but to close with the points that we never agreed to. 

XX/XX/XXXX closing statement Rate 3 % {$10000.00} points. So basically this company can charge whatever they want whenever they want to and get away with it. This is the story of a true bait and switch. Once we were locked in, it was impossible to reach the loan officer or the underwriter or the processor. Whatever they asked for we provided within minutes even after they had already requested the same thing 2 times before. There horrible processes and response time is not the issue here. The fact is that we started with one rate and ended with another one. The numbers kept changing when someone decided to. When I asked about the low rate given in the disclosure on XXXX, I was told that was a mistake. Really?? This is just wrong. 

They required payoffs of certain outstanding debts. One was a XXXX interest loan that I did not want to pay off but I paid it off anyway and sent in the proof of payment and they still paid the bill anyway causing me to have to request a refund. They mailed paper checks to several other debtors which were never received. We had to request stop payments and have new checks issued but those checks still have not been cashed. 

They assured us that the past due homeowners insurance payment would be sent XXXX and they mailed it regular mail. The insurance company cancelled the policy and we were forced to get a new policy with an increase of over {$2000.00}. 

The people that work here were always pleasant and sorry.
Product: Checking or savings account

TD Bank is not allowing me access to my XXXX Benefits from social security at their physical branches because they deleted my expired XXXX XXXX from their system last year in XXXX. They deleted the expired XXXX XXXX in XX/XX/XXXX because that was the only ID in my possession after my wallet ( gym bag ) was either lost or stolen. I knew that I'd initially opened the account w/ my current foreign passport and expired XXXX XXXX   because the bank 's rep scanned both in their computer system, so I thought that the bank would allow me access to my funds after answering the security questions w/ the expired XXXX XXXX. I was denied a new bankcard at the physical branch in XXXX ( XXXX ) and told that I'd initially only used my foreign passport to open the account when two forms of identification are needed to open an account if you're a resident alien w/out city or state ID. Now, in XX/XX/XXXX, after the XXXX XXXX told me to return to the bank when my renewed XXXX XXXX arrived in the mail to access my account back in XX/XX/XXXX- I'm being denied service at other physical branches w/the renewed XXXX XXXX, and being asked to provide my foreign passport as an alternative identification when that's the ID that was compromised, not the XXXX XXXX. Why are other customers only using their XXXX XXXX to access their accounts while I'm being denied this same opportunity? It's seems personal.
Product: Payday loan, title loan, or personal loan

I send them a check ( {$5000.00} enough to clear my balance ) XXXX credit agency. It was sent overnight and arrived Thursday morning. I have been writing non stop emails requesting an update, the one person I spoke to on Thursday said they didnt get it yet. 

I have now not heard back since. I have a payment due Monday, and I am unable to remove my bank info. They refuse to credit with the check that ARRIVED THIRSDAY and will be attempting to take more money from me ( though the check clears my balance ) on Monday. 

I have wrote them XXXX of times and called them and begged for updates, still nothing. 

XXXX XXXX XXXX XXXX XXXX XXXX please.
Product: Mortgage

I bought my house in XXXX, XXXX and got a mortgage with Movement Mortgage , LLC. I immediately set up auto withdrawal for all my mortgage payments well before my first payment was due in XXXX, XXXX. My first payment was auto withdrawn from Movement on XX/XX/XXXX and again on XX/XX/XXXX. The first payment was {$1900.00} but the second was a lesser amount of {$1800.00}. I called Movement on XX/XX/XXXX inquiring about the lesser payment amount and was told that was due to an overcollection of escrows at my closing which had adjusted my monthly future payment amounts down to {$1800.00}. 
A few days ago, I received an envelope in the mail with information stating that my loan was in default and that I had never made any payments which is clearly not true because Movement AUTO WITHDREW them from my bank account. I am attaching copies of my bank statements that show each payment was auto withdrawn from my account, as well as the letter I received from Movement stating I was in default. 
I immediately called Movements phone number as provided on the default letter to find out why I received this letter and was told this is some type of servicing issue on their end and that both my XXXX and XXXX payments were received but put into a suspense account held by Movement because they took out the incorrect payment amount in XXXX. I am also attaching copies of my loan portal that shows I am in default but that my payments were received. To date, these payments have not been credited back in my loan account, thus appearing that I have not made any payments and am in default. 
I have contacted the local Movement Mortgage , LLC that I used when I got this loan telling them of this issue, asking for it to be corrected, and nothing has been done. Clearly, I am beyond upset with this situation since I did everything I was required to do to insure my payments were being taken out and made on my loan and now it appears that my credit is going to be affected since no one has taken care of this mistake that was made by Movement. I feel this is fraud. 
Any assistance you can give me to get this straightened out would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Car was deemed total loss XXXX paid XXXX XXXX XXXX refused too pay because they said my gap was voided because I received XXXX extension during pandemic XXXX XXXX government shut Downs now they sent me too collections and XXXX charge off on my credit report never sent me the title I paid over XXXX in interest on XXXX XXXXXXXX XXXX car.
Product: Credit reporting

this debt XXXX XXXX XXXX was in bankruptcy XX/XX/XXXX. Per XXXX and XXXX they both show this to be XXXX balance and filed in bkruptcy,,, Equifax does not. Put in a dispute on XXXX XXXX with Equifax and then again to check on in XXXX XXXX, and then again to check in on XXXX XXXX. XXXX XXXX the girl said " XXXX '' said to send in documentation and will be resolved within XXXX hours. I did send it in on XX/XX/XXXX showing the bankruptcy papers and today I called in and no one would even speak to me. I being the wife of the account in dispute spoke to everyone since XX/XX/XXXX and today they do n't want to speak to me. All I want is this cleared if I sent in documentation for this and seeing that the other XXXX credit reports show it cleared as well. This should show XXXX balance and in bankruptcy. XXXX account was for XXXX Bank sent in as a dispute to state this is a XXXX balance. It shows as XXXX balance but Equifax is refusing to remove the dispute. On this XXXX the XXXX balance is correct it just needs the dispute information gone we are NOT disputing a XXXX balance account.
Product: Mortgage

In XXXX 2017, I contacted XXXX XXXX XXXX in XXXX, Md. to inquire about getting a mortgage for my first home. After reviewing my credit score, asking about my income and my down payment amount, the loan officer said that I 'd need to work on my credit score before they 'd be able to offer me a long. The issue was my credit utilization. He told me that if I took care of that right away, my score should shoot up very quickly and I 'd be able to look for a home. 

I immediately paid all my credit cards to zero and got back in touch with the Capital One loan officer. He said that it would take a while for the credit agencies to reflect my new credit utilization, but that we 'd keep checking. It took about 30 days, but my scores had improved by about 80 points, which the loan officer told me was more than sufficient for me to buy a home. He issued me a pre-approval letter for {$420000.00} and I began looking for my home. 

I found a home on which I wanted to make an offer, which was significantly less expensive than my pre-approval amount. I was soon under contract with the purchase price of {$360000.00}. I contacted my loan officer and immediately provided him with all the documentation he needed to confirm my income and my down payment. Every piece of information I provided to him was exactly as I told him ( income was accurate, funds for down payment were accurate ). However, a few days later, the loan officer informed me that the bank would not be able to finance my mortgage. There was no clear reason for why, he just said the combination of my income, credit score, etc could n't work. The frustrating thing about this is that, if this were the case, the bank should never have told me they would give me a mortgage and issue a pre-approval letter. Nothing changed from the time they issued the letter to when I went under contract except for the fact that I was asking to borrow about $ 60k less than they approved me to borrow. 

The pre-approval letter lists qualifications they need to check for full approval as satisfactory appraisal and title report, verification of income, assets and other information, and no material changes to your credit or financial situation. I provided information to verify my income and assets, which were exactly as I stated in order to get the pre-approval in the first place.
Product: Mortgage

A prepayment large fee was charged Did not give us the 5 days notice this was happening. Had no knowledge at the original time of the loan this existed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a different amount owed on each credit report. Non of the balances are the same and they each differ some by over {$2000.00} in balance. I 've sent letters in the past asking them to correct the issues but the balances still remain uneven. XXXX just removed two of the loans but equifax and XXXX has not.
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 a specific record in my credit file that does not belong to me, or that I have signed any agreement. The inquiry I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this XXXX XXXX XX/XX/2022.
Product: Checking or savings account

XXXX/XXXXXXXX XXXXXXXX XXXX XXXX Dispute filed money was deducted from another Account. 

XX/XX/year> XXXX XXXX XXXX Dispute filed money was deducted from another Account. 

XX/XX/year> XXXX XXXX XXXX Dispute filed money was deducted from another Account.