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

" I am filing this complaint because the credit bureaus have failed to remove inaccurate and inconsistent information from my credit report regarding the XXXX XXXX XXXX account. The credit reports provided by the bureaus show significant disparities and discrepancies, which undermine the accuracy and integrity of the reported information. 

- High Balance : There is a significant discrepancy in the high balance reported. The first report shows a high balance of " {$0.00}, ' while the second report lists a high balance of " {$14000.00}. ' This inconsistency raises concerns about the accuracy of the reported information.

- Account Balance : There is a notable difference in the account balance reported. The first report shows an account balance of " {$9300.00}, ' while the second report lists the balance as " {$14000.00}. ' This discrepancy raises concerns about the accuracy of the reported data and the true outstanding balance. 

These inconsistencies and inaccuracies in the credit reporting for the XXXX XXXX XXXX account are alarming and require immediate attention. I have previously disputed these discrepancies with the credit bureaus, but the inaccurate information has not been updated or removed from my credit report. 

It is crucial that the credit bureaus thoroughly investigate and rectify these discrepancies, ensuring the accuracy and integrity of the reported information. I request that the credit bureaus take immediate action to remove the inaccurate and inconsistent information associated with the XXXX XXXX XXXX account from my credit report. 

Thank you for your attention to this matter, and I look forward to a prompt resolution of this issue. ''
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Equifax via USPS certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), requesting an investigation into inaccurate items on my credit report, including a bankruptcy that is reporting with discrepancies. In my letter, I specifically requested the following information to understand how Equifax verified the disputed items : The date Equifax contacted the creditor or furnisher of the disputed items. 
The name of the individual who verified the disputed items. 
The method of communication used to verify the accuracy of the disputed items. 
Confirmation of whether the creditor or furnisher provided my Social Security number ( SSN ) and date of birth ( DOB ).

To ensure Equifax could verify my identity, I included : A copy of my government-issued ID.

A copy of my Social Security card. 
Proof of my current address. 
Despite my efforts, Equifax refused to conduct the investigation. In their response, dated XX/XX/year>, they claimed I needed to provide proof of identification to proceed, even though I had already included the required identification documents in my original letter. 
The FCRA mandates that if a consumer disputes the completeness or accuracy of any item of information in their file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Equifaxs refusal to investigate my dispute or review the identification documents I provided constitutes a clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine was disputed back 2016 ans it was remove from my credit bureaus, Not it appears that new collection agency has being assign, And once again had reported to Experian and XXXX, please see attachment credit report.
Product: Debt collection

A XXXX Debt Collection Agency called me in the early morning at XXXX XXXX on Tuesday XXXX XXXX. Their number is XXXX. They have called me hundreds of times before in the last 3 years. They always tell me they will take me off the list but never do. They always call me from different phone numbers because i have to keep blocking them.
Product: Credit card or prepaid card

On XX/XX/21 XXXX deposited {$1500.00} in my account which was my unemployment money. On XX/XX/21 {$1400.00} was stolen from my account through approximately XXXX charges of XXXX cents ( possibly some charges were more ) from " XXXX XXXX ''. I contacted Bank of America XXXX and " XXXX '' opened XXXX ( XXXX ) claims. I was later told the employee was in error in opening so many claims. I have made numerous calls regarding this matter to the XXXX Department. On one occasion I spent more than 90 minutes on the phone with a Supervisor who refused to put me in contact with the group researching and working on this situation. To this date Bank of America has credited back only {$940.00} and still owes me {$550.00}. After more calls seeking return of my funds, on XX/XX/21 there appeared numerous XXXX cent " XXXX XXXX '' XXXX leaving me with a negative balance of $ XXXX showing in this account. I contacted Bank of America XXXX again on XX/XX/21 and " XXXX '' filed a complaint on my behalf. Now I have received a letter from Bank of America dated XX/XX/21 referring to only one of the claim numbers for {$190.00} stating " No posting error has occurred on your account. '' and " ... we're unable to credit your account and we now consider this dispute closed. ''
Product: Money transfer, virtual currency, or money service

Cash App Unable to withdraw my money. 
Historically, Cash App wanted you to use Debit Card to move money between the App and User financial institution. I never had a debit card and have been unable to get my money from this service as it will not transfer to my Credit Union.

I eventually requested a Debit Card just for the purchase of getting my money out of Cash App ; now when I go to use this service " Cash Out '' - I am unable to request this means and now they only want to use a 3rd Party Service ( XXXX  ) to link my bank account. I am not interested in sharing my financial institution with XXXX or any other Company I am not familiar with. I have had a XXXX account open for 20 years, no problems. XXXX also easy to use. I only used Cash App to collect from a Customer that requested. I have been able to send money to another Cash user, but have never been able to get my money out of this account and close!! Tried Customer support again yesterday XX/XX/2022, but all they do is tell me to enter Bank Routing Information ( which will go through another company XXXX ). Why cant they mail me a Check or use the Debit Card Information as instructed to me when I opened the account?? 

Please help!!
Product: Mortgage

Hello, this is in regards to : XXXX XXXX XXXX / XXXX. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and the careless, biased, negligent and possibly criminal way in which he handled my file and put a lien on my house and his incompetent assistant named XXXX XXXX. In a 90 day period, they put my through XXXX, charged illegal fines and fees including an appraisal which was not needed and charged XXXX and they were reckless and careless with my personal information. I would like a full investigation for a file for me XXXX XXXX regarding a purchase Refi.
Product: Debt collection

On XX/XX/ I made a complaint with the cfpb complaint number XXXX with a cease and desist as well as a notice of fault due to ATG credit violation of the consumer protection act ATG not only failed to cease all communication ATG also did not attempt to provide monetary remedy for set violations or delete themselves from my consumer report On XX/XX/ i made a complaint to cfpb with complaint number XXXX ATG CREDIT responded on XX/XX/ stating they would cease communication On XX/XX/ i made a complaint with a attached cease and desist and demand letter ATG to correct my consumer reports and pay monetary remedy ATG credit stated i didnt answer their calls as in its mandatory to speak with them they had no business harassing me and caused me a great deal of stress i would be attempting to file a small claims lawsuit if we can not settle this matter FULLY
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as ofXX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit card or prepaid card

I reported a fraud charge on my credit card made on XX/XX/2023 for {$640.00}, I was credited for the amount and then charged back again for the amount. I contacted my credit card company multiple times stating it was a fraudulent charge they called the merchant XXXX and they claim its a valid charge but Im telling them its a fraudulent charge and the credit card company capital one is holding me responsible for the {$640.00}. They dont care for my safety as a consumer and wont protect my account but will gladly hold me accountable to pay for a fraudulent charge.
Product: Mortgage

On XXXX XXXX, 2016 I sent a Qualified Written Request to Chase ( XXXX ), XXXX XXXX XXXX, XXXX, OH XXXX. The letter requested the following information : " Please provide any/all Broker Price Oprinion ( s ) ( BPO ) that have been solicited/initiated by Chase for specified property. 
Provide the name ( s ), date ( s ) and fees associated with said BPOs. 
Please provide copies of any/all appraisals solicited/initated by Chase for said property. 
Provide the name ( s ), date ( s ) and fees associated with said approaisals. 
Please provide the name ( s ) of any contractors, vendors, brokers, hired or authorized by Chase to enter upon, take pictures of, or gather information of any nature in regard to said property. 
Provide the name ( s ) of any companies, contractors, vendors, brokers, hire, engaged or authorized by Chase to interact with residents of said property for any reason. 
Section 1463 ( c ) - Chase has five days in which to acknowledge in writing receipt of this QWR and 30 days to provide a substantive, detailed response to this QWR. '' To date no acknowledgment or response has been received from Chase regarding this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to be willful non compliant by not meeting its obligations of Federal Fair Credit Reporting Act ( FCRA statue ) as it is bound by Federal law ( FCRA clearly says that all accounts reporting on any consumer report disclosure have to be 100 % accurate ,100 % complete 100 % verifiable otherwise it needs to be deleted from the consumer report /disclosure as its required by law. Those are my federal protected consumer rights under U.S. Congress. Thats what U.S. Congress says. I have given the proof of evidence of documentation to back up my claims of accounts not reporting accurate, Incomplete and untimely manner as well as unverified. Experian seem to want to shift the burden of proof to me the consumer ( which now we arrive at another Violation under FCRA rules. I have ask via snail mail with certified receipts, proper documentation to correct or delete the accounts in question. I have also exercised my rights under FCRA section 611 ( a ) ( 7 ) the method of verification used to verified these accounts in question? I asked who did they actually talk to about these account listed here : 1 ) XXXX account # XXXX, ( XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX, ( XXXX ) XXXX XXXX  account # XXXX, This is taxable personal income and can not be reported on any consumer report XXXX Cancelation of debt from XXXX/ see attachment. Remove this account ASAP XXXX ) XXXX XXXX XXXXXXXX account # XXXX. E-oscar or Metro2 electronic verification is unacceptable as it contains the same errors of inaccurate information on it What real person was the one that verified these accounts. What are their names? what extension number did they use? what are the dates that they contacted the real person or reps of each company in question? what hard documents of Evidence has Experian gotten that the can furnish a copy to me so I can take a look at them? Experian can not just say anything without having documentation to back up their reasonable re investigation. Experian never contacted the data furnishers according to FCRA 15 USC 1681i ( a ) ( 2 ) ( A ) Prompt notice of dispute to furnisher of information evidence to back up their <<<verified claims>>>> according to FCRA section 623 I contacted at their 800 number XXXX says to me that they do not have any record of the account at all. <<<<NO RECORD FOUND>>>> that experian never contacted them???? so forth and so forth.. I have an audio recording of 2 reps from XXXX saying that no record exist and that the trade line is not what they report or ever reported.. Experian is in violation of the statues that clearly says they must follow the law. under XXXX act i need to get a copy of the records Experian claims the verified till now I have not seen any hard evidence of documentation to backup what Experian calls verified and accurate.
Product: Checking or savings account

I reported fraud and sent police report. Have not received the following finds : XXXX {$78.00}. {$5.00}. {$53.00}. {$20.00}. {$200.00} XXXX XXXX {$20.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I mailed a dispute letter to Equifax explaining that they are reporting information regarding my XXXX auto loan incorrectly, stating that the account is an open account and that I am 90-119 days past due with a balance owing of {$21000.00}. I had asked that ( Equifax ) correct the information based on the documents I'd provided XXXX my XXXX account 's bank statement ), along with my dispute, to support my claim which shows that the account is paid in full, with a zero balance. Upon receipt of my dispute, they performed and completed a 30 day investigation for which on XX/XX/2019 I was notified in writing that the " information is being reported accurately ''. 

I've notified XXXX for assistance in the matter, in which, who also confirmed that this account is closed, paid in full. And they ( XXXX ) had advised that " I should dispute the matter with the credit bureau, for the credit bureau is the one who is reporting the information ''. 

I feel, at this point, I am going in circles, with no resolve.
Product: Student loan

I contacted fedloans multiple times over the past four years to correct my qualifying payment count. I have spoken with multiple agents who have attached notes to my account but nothing has been corrected. There are a total of 31 payments that are not being counted as they are saying that the payment was made outside of the scheduled date however my payment has always been taken via automatic draft on the XXXX of each month. Also for the payment on XX/XX/2015 my payment was not accepted as qualifying payment although my job with access care began XX/XX/2015.
Product: Consumer Loan

After an internet search on a " XXXX '' website I was contacted by XXXX XXXX in XXXX XXXX XXXX. The particular salesperson who gave me a firm offer to purchase a new 2009 XXXX XXXX XXXX, with the exact options I need was not available when I went to the dealership to purchase the vehicle and sign fraudulently induced loan documents with XXXX XXXX XXXX XXXX, my note eventually sold to Ally Financial Services. The salesperson had me " robo-sign '' documents in blank. He acted fraudulently as I had automobile insurance at the time on the vehicle I owned before I bought the 2009 XXXX XXXX XXXX, with the XXXX XXXX of XXXX, and told the agent of Ally. Instead, he fraudulently went, upon information and belief to some local insurance agent he had an arrangement with, and without my consent purchased automobile insurance with a company I have never heard of, XXXX, who I never purchased an automobile insurance policy from, as I was insured with XXXX, but they are still reporting on my credit report as a negative collection account. Further, the salesman knew my son, XXXX XXXX was not licensed as a XXXX Driver, and as I was told after the fact by XXXX XXXX, the dealer should have never sold me the vehicle, as my son, was the primary borrower as I needed his income to qualify. Ally through their agent at XXXX XXXX told me I was getting XXXX which I did not receive based on the agreement I signed in blank. The dealership was told my son 's father, XXXX XXXX, ( XXXX-of blessed memory ) lived in XXXX XXXX XXXX, and my son said they could contact him as an emergency contact. The fraudulent salesman told XXXX that I lived in XXXX XXXX, and my son did, which caused a major family conflict. I have never lived there, nor has my son, as the dealer had my driver 's license, and my son XXXX State of XXXX Identification. Ally refused to provide me with accurate accounting on my account. I should have been paying on a new car loan as a priority buyer, not the figure they submitted to XXXX on the document I signed in blank.Please investigate Ally and have them refund to me the monies they owe me for their agent, XXXX XXXX putting in fraudulent figures, and acting fraudulent in violation of then existing XXXX XXXX policy, and in violation of the rules of the State of XXXX Department of State regarding new vehicle registration.
Product: Credit reporting or other personal consumer reports

I have several inquiries on my credit that were not done by me.This started over twenty years ago and is still a problem.I am constantly seeing stains on my report when my file is locked and im not understanding the purpose of having the extra security steps if they are not working.Ive contacted the FTC, credit bureaus other financial sources.At this point several consumers are not removing several credit attempts and I dont know what else to do.I made several identity theft reports both with FTC and The Chicago Police Department .
Product: Credit reporting or other personal consumer reports

It looks that my credit history has been corrupted. Again, I was going through my documents and discovered numerous stuff that did not belong to me. Since I'm a stickler for research, I discovered that under section 605b of the FCRA, 3 credit bureaus are compelled by law to remove any things discovered to be fraudulent owing to identity theft. The disputed things do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00}
Product: Mortgage

In XXXX  2020 I contacted my current mortgage lender, NewRez LLC, about refinancing in order to decrease my monthly payment. After the initial application online, I corresponded by email and telephone with the loan consultant ( XXXX XXXX XXXX several times and was assured they could refinance at a lower payment. During this time, I informed the consultant the property was collateral on a business loan, but there was nowhere to include that information on the application. The consultant assured me this would not be an issue. I then paid {$470.00} to have an appraisal completed as part of the loan process. At this point I was handed off to a loan processor ( XXXX XXXX XXXX. I submitted several more documents and scheduled the appraisal which was completed. I was then contacted by the Title Company and asked to submit documents to my business loan bank so they could subordinate the loan for the mortgage. These documents were detailed and required several hours to complete. Several weeks transpired with no activity. I began inquiring with the loan processor and then the loan consultant via email and phone messages over the course of two weeks with no response. Finally, I received a response via email informing me the loan could not be completed due to the business loan plus the new mortgage amount exceeding the loan to value ratio. I forwarded the emails to the loan consultant of the initial notification of the business loan and his acknowledgement, asking if my appraisal fee would be refunded. To date, I have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit reporting agency to check everything on my credit report, they said they did, said everything was correct and verified, but I still found mistakes on my report. 
account # XXXX ... ... U.S. DEPARTMENT OF EDUCATION. In accordance with the Fair Credit Reporting Act. XXXX account # XXXX has violated my rights 15 USC 1681 section 602A states that I have the right to privacy. In 15 USC 1681 section 604A section 2 states that a consumer reporting agency CAN NOT furnish a account without my written instructions. I need thus account removed.
Product: Student loan

In XX/XX/XXXX, I received a letter from Navient statin all my late fees would be waived if I brought my account up to date. This was to include a late fee on my account of XXXX . I asked the customer service rep several times if this fee would be waived and she assured me it would. I brought my account current and have been making regular payment on my account. The fee was not been removed from my account. I have talked to upper management and was told the fee would not be waived. I was not called about this. I called in XXXX of XXXX. XXXX, XX/XX/XXXX and XXXX of XXXX. The last time in XXXX when I called they said the most they could take off was XXXX $ and then changed it to XXXX . I even offered to pay the account off in full if they waived the fee. They told me the fee would not be waived. I have paid off the account 2 times over and I still can not get them to budge. I want to pay this account off but do not want to pay any more fees.
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Fraudulent Account Name : XXXX XXXX  Account Number : XXXX Reason : Fraudulent Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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: Mortgage

I requested a Payoff Statement on XX/XX/2019 from BSI Financial Services per their instructions ( on back of mortgage statement ). The payoff statement had unexplained charges for a " Deferred Amount '' of {$2700.00} and for " Late Charges '' of {$250.00}. After speaking with multiple representatives no one at BSI Financial Services can explain the reason for these charges. Two weeks have gone by and BSI Financial Services still has not returned any of my multiple voicemails ( to a supervisor and to my SPOC ) or issued an accurate payoff statement. Now I am at risk of losing a new loan because of the long delay, which will cause me significant financial harm. 

It now has been twelve ( 12 ) business days and BSI Financial Services still has not provided an accurate payoff statement. This is a violation of Regulation Z 1026.36 ( c ) ( 3 ), and is a compliance violation. BSI Financial Services ' compliance violation and failure to provide even a basic minimum standard of service has put me at serious financial risk.