23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Citi Platinum Select MasterCard has left me responsible to collect on a dispute for {$1800.00} with XXXX XXXX XXXX Im XXXX, NY who is fraudulent in practices and never completed contracted work that was paid on Citi card. After back in forth since XXXX I contacted XXXX to help in resolving issue with company since Citi decided that I had to take personal action in obtaining refund from company who is non-responsive even before the COVID-19 pandemic. I spoke to Citi a couple times about my issue with how they handled the dispute even making me pay for an additional company to to do and estimate on the work that was not done at my own expense. I have asked Citi to suspend/freeze or place a hold on my account because the only amount I owe is the disputed {$1800.00} to avoid paying interest on disputed charge until the issue is resolved which during the pandemic businesses are closed and I am still responsible to keep my account current by paying interest to avoid default. Citi customer representatives act as if they are taking my information to reopen my dispute which they have not and place me on long holds only to disconnect me which is terrible business practice and abuse of power. I am totally disappointed at their tactics for me to submit to their will to shut me down and not be active in the fight for what is right, just and to protect my financial status. Citi as company behavior is in handling dispute is very low down and foul.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its not a dollar amount I looked on my XXXX XXXX report and I believe someone either tried to or have opened an account in my name because pentagon federal credit union is on my report and I never did that.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to all of the companies listed above and advised them i have not applied for any credit and advised it may have been fraudulently applied for they have all refused to remove these inquiries off my credit profile. i HAVE ALSO REACHED OUT TO ALL 3 CREDIT REPORTING BUREAUS AND THEY ARE UNWILLING TO REMOVE THE INQUIRES LISTED ABOVE UNLESS I FILE A FTC REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, my XXXX 's credit account limit was lowered from XXXX to XXXX. They said this was done based on a review of my consumer file supplied to them from Equifax. I did not authorize XXXX 's to obtain an additional pull of my consumer file, whether it be soft or hard pull, I did not authorize it. Furthermore, Equifax has two delinquent accounts on my consumer file that should not be.
Product: Checking or savings account

Discover Bank - Monthly statement not provided I opened a savings account with Discover Bank recently with the understanding that they will provide me monthly statement ( which is clearly stated on their website as pic attached ). However, after I opened my account, I only had access to a statement every other month. After contacting Discover, they claimed that I will not have a bank statement if there is no ACH deposits, which didn't spell out on their website at all. At the meantime, they refused to provide any kind of official document that could show my account status for the months they skipped within 5 days.
Product: Mortgage

On XX/XX/XXXX, George Mason Mortgage ( " GMM '' ) and I entered a Rehabilitation Loan Agreement ( " Agreement '' ). As a result of entering Agreement, GMM became responsible for processing renovation loan activities and payments associated with my FHA Section 203 ( k ) renovation loan. 

On XX/XX/XXXX, GMM stated that I needed to pay a contractor {$11000.00} for materials and labor related to the renovation project. GMM stated they would not service the FHA Section 203 ( k ) renovation loan until I paid the contractor {$11000.00}. I informed GMM that the contractor was not owed {$11000.00} because contractor did not perform on those items. From XX/XX/XXXX to present, I provided GMM with contemporaneous documentation that proved the contractor did not pay for those items and, therefore, was not entitled to payment for those items, I also provided documentation that showed the contractor owed me {$7100.00} because GMM paid the contractor for materials that were purchased by me. 

From XX/XX/XXXX to present, GMM has ignored many of my communications to them asking for clarification, acted as an advocate for the contractor 's interests, spread disinformation about the FHA 203 ( k ) options available to me, and failed to uphold its responsibilities outlined in the Agreement and FHA Single Family Housing Policy Handbook. 

GMM still refuses to service the FHA 203 ( k ) loan until I pay the contractor {$11000.00} for labor and materials it did not perform.
Product: Credit card or prepaid card

Hi there is the issue with XXXX capital bank, the issuer of XXXX card for XXXX XXXX XXXX photo. I've gotten multiple emails from XXXX XXXX XXXX indicating the full amount has been refunded all they said to indicated the reference number to XXXX  credit card or commenity bank I have e-mailed commenity bank several times but therewas no response, some one  from commneity bank said I should ask XXXX XXXX XXXX customer service to call the bank and indicate that the amount is refunded I contacted XXXX XXXX XXXX, and they denied to that.laterI was trying to purchase something, and the customer service agent said he has gotten an authorization from his supervisor, and he will be calling the bank to get authorization. And that was a long time ago. Then again, I called the commenity bank customer service and based on the supervisor advice, I disputed the charges, less than a week later I got in a statement with more interest than late fees. This bank has so many many red flags and negative response on. XXXX  I've been trying to resolve this issue for a very long time, with XXXX and XXXX. Based on XXXX XXXX. The account is closed, and everything has been resolved. But for some than XXXX and experience, can not resolve this issue.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, XXXX, and Equifax due to their failure to ensure the accuracy and verifiability of the information reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question, Account # XXXX, has multiple inconsistencies and inaccuracies across the three credit reporting agencies, as outlined below : Specific Errors in Reporting Contradictory Payment Status and Remarks : XXXX XXXX the account as " Charged off as bad debt, '' while XXXX and Equifax state it was " Purchased by another lender '' or " Account transferred or sold. '' These discrepancies demonstrate conflicting reporting practices and raise questions about the accuracy of the data. 

Inconsistent Dates of Last Activity : XXXX reports the last activity as XX/XX/year>, XXXX lists it as XX/XX/year>, and Equifax states XX/XX/year>. These discrepancies violate FCRA requirements under 609 ( a ) ( 1 ) to ensure accurate and reliable reporting. 

Illogical Credit Limit and High Balance Reporting : The high balance of {$600.00} is listed, but the credit limit is shown as {$0.00}, creating a contradiction and suggesting that the reporting is incomplete or unverifiable. 

Incomplete Payment History : XXXX and XXXX report payment histories, yet Equifax does not, even while classifying the account as " Derogatory. '' This inconsistent reporting further indicates a failure to maintain accurate records. 

Legal Basis for Dispute Under 611 of the FCRA, all information on a consumer 's credit report must be accurate, complete, and verifiable. Given the inconsistencies and lack of verifiability outlined above, this account does not meet the legal requirements for inclusion on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

there are two Bankruptcy 's located on my report from all three credit bureaus that i would like removed due to the violation of my privacy this information was stolen from the courts and sole to the bureau 's and then listed on my credit reports displayed for all to see. I have two documents from the UNITED STATES BANKRUPTCY COURT THE IMFORMATION WAS NOT GIVEN TO ANY CREDIT BUREAUS OR OUTSIDE AGENCY.

SO, THIS IS THEFT AND I WANT THE FOLOWING REMOVED IF YOU WOULD PLEASE DUE SO TO CORRECT YOUR MISTAKE. BANKRUPTCY XXXX XXXX FILED XX/XX/XXXX CLOSEDXXXX/REFERENCE # XXXX BANRUPTCY FILED XX/XX/XXXX CLOSED XXXXREFRENCE # XXXX
Product: Checking or savings account

23 year customer with Bank of America. 

Failed to update my address despite repeated requests. 

Froze and closed account with no notice. 

Will not promise to return funds until XXXX of XXXX. 

16 days with no money ( all my funds were in that account ) except {$3.00} in my pocket. 

And just before XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3500.00}
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern and frustration regarding the ongoing presence of charge offs, accounts included in bankruptcy, and public records despite our repeated attempts to rectify this issue. As we approach the several round of addressing this matter, it is evident that more concerted efforts are needed to effectively manage and remove these adverse records from our systems. 

I urge you to conduct a thorough review of our procedures and systems to identify any systemic weaknesses or gaps that may be contributing to the persistence of these adverse records. It is essential that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. 

Additionally, I encourage you to prioritize customer communication and support throughout this process, providing clear guidance and assistance to those who have been impacted by these adverse records. Transparent and timely communication regarding the steps being taken to address their concerns is crucial in restoring trust and confidence in our organization. With this, I am asking for your assistance to remove these items in my credit file : XXXX. XXXX XXXX XXXX Balance : {$1200.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX. XXXX XXXX XXXXXXXX Balance : {$2400.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - This is showing to be XXXX past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current StatuXXXX to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 
XXXX. XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the XXXX statute of limitations that a credit bureau can report. Please update the filing date and then remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act Convergent Account # XXXX Carmax auto finance XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 contacted Equifax and informed them the following is not correct. The information is still reporting incorrectly. 
I started the process of seeking a loan and discovered my credit had been compromised. Someone has accessed and used my credit without my authorization. Accounts and Inquiries now appear on my credit report that I have no knowledge of the origin. I have contacted the police department and filed an identity theft report. I am a victim of identity theft. The information listed below, which appears on my credit report need to be updated as follows : The following accounts are NOT my accounts, please remove from my report XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX I requested a block and cease from reporting and they failed to do so : Please block and cease reporting the following accounts and inquiries. The report is not accurate Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I have XXXX XXXXXXXX XXXX app on my phone. The other day a pop up appeared asking to block last call. I checked the log and I saw 30-40 instances of a number calling me. I decided to call in back and the first person I spoke was very abusive and hung up on me, all from me asking questions. I called back immediately and spoke with a young lady and her and I were working out this issue. However, this company continued to call me 18 more times after this interaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} LA XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX  XXXX Balance : {$400.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} WFDS XXXX Balance Owed : {$17.00}, XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$1100.00} Original Creditor : XXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

XX/XX/XXXXI contacted Navient stating that I have been paying my student loans for over 5 years now and my principle has not decreased. The loan was sold to the from XXXX XXXX which was previously owned my another company. I requested the original paperwork so I could see all of the transactions and payments I have made. Navient was not able to provide me this information. I then asked to change my repayment status so that I could qualify for Public Service Health Forgiveness. I was instructed by Navient 's representative to not change my repayment plan and that as long as I continued to make 120 payments the remaining portion of my loan would be forgiven. XX/XX/XXXX - I contacted Federal student aid and was informed that I did not change my repayment status, the last 7 years of payments did not count towards forgiveness. I called Navient and asked for a copy of the transcript of our conversation from XXXX. Once again Navient was unable to help me.
Product: Credit reporting 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 : Account Number : XXXX Account Name : DEPTEDXXXX : Account Number : XXXX Account Name : DEPTEDXXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX : Account Number : XXXX Account Name : DEPTEDXXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : DEPTEDXXXX  : Account XXXX Account Name : DEPTEDXXXX  : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : ( Original Creditor : XXXX XXXX  ) : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to pri

vacy. 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, credit repair services, or other personal consumer reports

Wells Fargo Dealer Services account no.XXXX .... is wrongfully appearing on my XXXX credit report.Wells Fargo , a bank recently notorious for cheating customers on automobile loans, regardless of scrutiny and fines paid is continuing to cheat customers.

My 48 month auto loan was paid off.After receiving clear title, the pink slip from Wells Fargo a mysterious, undisclosed, unaccounted for fee for {$190.00} dollars ( now {$250.00} ) was assessed and is appearing on my credit report.Regardless of numerous disputes for Wells Fargo fraud to XXXX the account remains on my credit report.At the least this account should be immediately deleted and Wells Fargo, who are thieves, from the top of the company executives on down should continue to remain under CFPB scrutiny for possible criminal charges or closing the bank to their operations in automobile lending.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 my phone was stolen. I immediately called the police and filed a police report with the XXXX XXXX Police Department. The people who stole my phone gained access to all of the information on it and used my Cash App to empty my bank account and send unauthorized payments to themselves. They made XXXX transactions, a total of {$1500.00}, all going to the same account : $ XXXX. The first payment they sent was {$10.00}, the second was {$1.00}, the third was {$450.00}, the fourth was {$670.00}, and the fifth was {$420.00}. I went to my bank the next day, XX/XX/2022, as I was out of town when the theft occurred and closed my accounts and disputed the charges to Cash App with my bank. I called Cash App on XX/XX/2022 to dispute the charges with them and provided them with the police case report number and images of the card the police gave me with the number on it. After roughly XXXX hours they responded saying they determined the payments to have been authorized by me. After my bank determined that these charges were fraud and not made by me they credited me back the stolen funds. After this my Cash App balance went to - {$1500.00} and I have since opened multiple cases but they send same message after XXXX hours saying they determined that I authorized the payments. I did not authorize these payments and my phone was stolen.
Product: Credit card or prepaid card

Fraudulent charges were made in XXXX XXXX by someone who is not me. Initially, the bank refunded the charges. Then after their " research '', they recharged all the charges except XXXX. The difference is approximately {$700.00}. 
I was told today that the " research showed '' the card was " used in person '' despite being with me in XXXX  There were charges by me in XXXX, XXXX XXXX  where I work ) the day before the fraud and I called to claim fraud the day after they posted. 

I have canceled the card as of today.