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

Disputing Inaccurate Credit ReportingBridgecrest Account To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent information appearing on my credit reports from XXXX, XXXX, and XXXX regarding the following account : Creditor Name : Bridgecrest Type of Account : Auto Loan Upon reviewing my credit reports, I have identified multiple discrepancies in how this account is reported across the XXXX major credit bureaus. These inconsistencies include, but are not limited to : High Balance Discrepancy : The high balance reported by XXXX ( {$XXXX} ) is significantly different from that reported by XXXX and XXXX ( {$XXXX} ). This discrepancy must be corrected to ensure accurate reporting. 

Date of Last Activity & Reporting Differences : XXXX lists the last activity as XX/XX/XXXX, whereas XXXX and XXXX report XX/XX/XXXX and XX/XX/XXXX, respectively. 

The date reported also varies between XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 

Closed Date Discrepancy : XXXX reports the account as closed on XX/XX/XXXX, while XXXX and XXXX do not list a closed date. 

Creditor Remarks and XXXX XXXX : XXXX and XXXX state that the debt is being paid through insurance, but the account is still listed as a charge-off with a past-due balance. 

If the debt is covered by insurance, then a charge-off status is incorrect and should be updated. 

Balance and Payment Status Discrepancies : The balance owed is consistently reported as {$5500.00}, yet the account is charged off. This raises questions about whether the debt has been settled or transferred inaccurately. 

If the debt was charged off, the balance should not still be reported as due. 

Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into these discrepancies. Please provide documentation verifying the correct and consistent details of this account, or remove the inaccurate information from my credit report. 

As required under FCRA guidelines, please complete your investigation within 30 days and send me written confirmation of your findings. If the information can not be verified, I expect the incorrect details to be deleted from my report. 

I have attached copies of my credit reports highlighting these inconsistencies, as well as any supporting documentation to facilitate your investigation. 

Please provide written confirmation of your actions to the address listed above. If you need further information, feel free to contact me via mail. 

Thank you for your prompt attention to this matter. 

Enclosures : Copies of credit reports with highlighted discrepancies
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 


Chapter XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SSN : XXXX XXXX : XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE XXXX Unauthorized Inquiries The purpose of my letter is to dispute the following XXXX XXXX inquiries that are wrong and unauthorized. Please remove them from my Experian credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 



# XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX- XX/XX/XXXX # XXXX XXXX XXXXXXXX XXXX- XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX  XX/XX/XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

in XX/XX/2018, XXXX $ I found they take this amount from my account I try to find why this take from my account from the bank
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act + ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I noticed certain accounts on my consumer reports which are fraudulent accounts and i never gave them consent to furnish any information on my consumer reports if i did show me our contract that i have signed with a wet signature that i gave you permission to furnish information on my consumer report please delete these inaccurate and fraudulent accounts from my reports. I have disputed 3 times before and why arent these errors addressed or fixed since you have failed multiple times i need all these accounts deleted i have included all XXXX different disputes sent and received by your agents all tracking numbers are going to be provided in the evidence as well. So did you not receive my letters dated XX/XX/XXXX? 

Also dated XX/XX/XXXX? 

Also sent another letter dated XX/XX/XXXX? Did you not receive my letter with all the errors circled in red? I also outlined all the errors and incomplete data that you dont have to furnish this account 100 % accurately so delete the below accounts or i will have to seek legal remedy and i am trying to resolve this outside of litigation / and or arbitration so delete and remove these accounts that are hurting my credit Equifax XXXX numbers : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

HSBC has failed to provide an IRS Form XXXX to me for 2014. I can not file my taxes without it and the IRS has contacted me about being late. I have contacted HSBC numerous times without successful outcomes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX
Product: Mortgage

Being that it is XX/XX/2016, like most people, I pay my bills online through my online Guild Mortgage account. I happened to glance at the XX/XX/XXXX statement that came in the mail which I do n't normally do, since I use the online service to pay my monthly mortgage. When I noticed an amount of {$810.00} on my statement for " Fees & Charges '' with no detailed explanation I called Customer Service to find out what it was for. I was told these were late fees that had been accumulating. I was completely shocked since I have never seen any indication of a late fee when I log into my online Guild Mortgage account. I have discovered that there is absolutely no place in the entire process of paying my bill online in which this amount would be indicated. If I do n't know that I owe it, how can I pay it? It is unacceptable that Guild Mortgage offers online account access and bill payment, yet does not provide COMPLETE account information. Late fees are intended to incentivize on-time payments by monetarily penalizing the account holder. If I do n't know that I 'm being penalized, then I do n't have the same opportunity to change my payment habits to avoid these fees. I have MANY online accounts that I access and pay each month, and in every single case I am provided a full and complete detail of my account balance in my online account. Guild Mortgage is the only exception. It is my opinion that the utter lack of information in my online account is a predatory practice to accumulate exorbitant late fees before the consumer realizes what is happening. 

Additionally, when I spoke to Customer Service on Saturday, XX/XX/XXXX I asked to speak to a Supervisor. I was told that a XXXX would have to return my phone call and that I would receive a call within XXXX hours. It was not until 6 days later on Friday, XX/XX/XXXX that I finally received that call. I was unable to answer the call and the message I received from the Supervisor, XXXX XXXX he did not provide a last name nor did he provide a phone # that I could reach him at ) was that he could confirm that there were late fees, and that I could call Customer Service to verify the dates of those late fees. I was VERY clear in my initial request to speak to a Supervisor that my issue was with the online system and the failure of Guild Mortgage to provide a full and accurate account balance and detail. I waited 6 days for a Supervisor to call me back and not address my issue in any way. Unacceptable. 

I am requesting that Guild Mortgage reverse these late fees and work to update the online account and bill payment system so that their consumers are not being left in the dark. As I told the initial CS rep that I spoke to, I will be refinancing in the very near future, and at this point I will not consider keeping my mortgage with Guild based on my experience outlined above.
Product: Mortgage

Seterus Inc. has told us that our loan is a XXXX loan, and that their company ONLY services XXXX loans. I have proof attached that this is NOT a XXXX loan FROM XXXX. My loan needs to be returned to XXXX as Seterus falsely purchased it as a XXXX loan, as it is NOT a XXXX loan. Certified letters to Seterus and faxes have gone unanswered and ignored for months. Seterus has a terrible reputation and I do n't want to deal with this company, in particular since they have no business owning my loan.
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ).

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights.

I am disputing the following negative items, which I strongly believe may be linked to a data breach : Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX  I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Debt collection

The amount that the company has is wrong. Its because I havent heard from the company in 3yrs. I no longer have the vehicle. I have tried to contact them and I havent gotten a response. They have never notified about the real balance
Product: Checking or savings account

On XX/XX/22, I became aware of three fraudulent withdrawals from my checking account totaling {$11000.00}. The withdrawals took place on XX/XX/22 and XX/XX/22. I immediately froze my account ( I was in XXXX for medical treatment ) and filed an unauthorized ACH Return Form as directed by the BofA representative ( XXXX ). After hours of unsuccessful attempts by phone to resolve the problem ( previous number, and XXXX, XXXX, and XXXX ( XXXX XXXX who never returned several voice mail requests ) ), I halted my medical treatment and flew back to the US with the idea that I needed to address this problem with someone " in person ''. Once in the US, I was not referred to anyone, being told that there was no one at any branch who could help me and was given one of the above numbers and told to call and play the same " waste of time '' game. I am of the opinion that Bank of America has instituted a " policy '' which makes it all but impossible to satisfactorily resolve the loss of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information in question comes from XXXX XXXXXXXX XXXX. The amount reported is XXXX. This account first became delinquent in 2014. The time frame for this account has expired. The company is required by law to remove inaccurate information and information that is more that 7 years in age.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I wrote equifax a dispute letter, disputing late payments on my student loans because I was never late. I asked them to re-investigate their outcome on my dispute and send me proof of verification. I sent this to Equifax certified mail # ( XXXX ) and equifax has not honored my request by re-investigating this matter, and has yet to send me proof of verification, To which is a direct violation of several of my rights under FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I called Great Lakes in XX/XX/XXXX about what paperwork would need to be filled out by me in order to proceed with the XXXX Loan Forgiveness for which I qualified for by working in 2 XXXX for 5 consecutive years XXXX XXXX  and holding a XXXX XXXX.

I filled out one packet for each XXXX XXXX  as instructed and both boards signed the packets which were mailed in XX/XX/XXXX and sent via email and faxed.

Great Lakes is now saying the need two additional applications, one for each XXXX worked within the same county backed by the same board and signed off by the same person before they can proceed with filing the forgiveness ( which takes 90 days to process and forever to hear back if there is an issue. ) The qualifying XXXX are : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX county Ga XXXX ), and XXXX XXXX XXXX  ( XXXX  county XXXX ). All XXXX  in the state of Ga.

I hold a XXXX  in XXXX   and XXXX in XXXX XXXX. I XXXX XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXX in XX/XX/XXXX, and XXXXXX/XX/XXXX - XX/XX/XXXX for struggling XXXX XXXX. I am now enrolled in my XXXX program and quickly running out of funds to play their games.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have been writing and sending certified letters to XXXX XXXX  XXXX in regards to two accounts ; the company is claiming there are two accounts that they claiming to be charged off in the amount {$2600.00} and the other is not reporting a balance. These accounts are negatively reporting on my credit reports. I previously disputed this account on two separate occasions. Not only that this company has yet to mark my credit report as disputed and I set out the first dispute letter XX/XX/XXXX. This is not my account, the debt collector 's has not been able to validate the account. The company responded to my first letter by sending out statements but nothing bearing my signature. They have yet to respond to me second letter sent certified mail XX/XX/XXXX. This account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I signed any legal document with my signature binding me to a contract with this company.The accounts in question # XXXX and # XXXX the whole account number is n't reported as well. Thank you
Product: Debt collection

This complaint is in regard to the debt collection company FOX COLLECTION CENTER. The collection company keeps lying stating that they sent correspondence to my address. I have not received any thing from this company as FOX COLLECTION CENTER states. In response to the abuse, I am requesting debt validation regarding this alleged debt. I am also requesting the certified tracking number with my name on and signature proving that FOX COLLECTION CENTER sent notice to my address. The debt validation letter will be sent through this complaint portal.
Product: Money transfer, virtual currency, or money service

Celsius filed for bankruptcy in 2022 in XXXX New York under XXXX  XXXX laws it gave us consumers a chance to remain with the company or get a refund. This company is ran by XXXX which stole my funds before and has made it very impossible for me to recover any funds. Every day they send a website to update all my information to send my funds to me. My information has never changed since the first I entered it into the system. I feel like they are pulling the strings thinking I'm a puppet making everything very hard and difficult. I would like the CFPB to do a full investigation in this matter so I can recover all my funds from both of these companies. I didn't authorize for they to do anything else other than send me all my funds directly to my bank account through XXXX XXXXXXXX XXXX.
Product: Money transfer, virtual currency, or money service

I use a Chase ATM card to withdraw cash from ATM machines at XXXX in XXXX. The machine charges a transaction fee which is disclosed prior to the transaction being completed. Later, the transaction is posted on my Chase statement along with a second transaction for a 3 % currency exchange rate fee.

First, I feel that this fee is extraordinarily excessive based on Chase 's actual costs for the exchange. The banks actual exchange rate costs are probably less than 1/100th of the 3 % fee. A call center representative actually referred to it as an advance fee. My understanding is it is a real-time withdraw backed by actual funds. The transaction is not a cash advance or related to any credit but again a direct withdrawal.

Second, the 3 % fee is not disclosed during the transaction and only shows up later on the statement. My opinion is that a publicly regulated bank as large and sophisticated as Chase, with all the responsibilities and privileges that entails, could easily be transparent at the time of the transaction about what the full costs of the funds will be. Why is it not calculated at the time of the withdrawal to show there is a 3 % cost to receiving funds from a Chase account in a foreign country.

I am concerned that Chase is charging what seems to be an extraordinarily excessive and even abusive fee because consumers are not aware of how little the actual exchange costs are to Chase. Please ask this enormous, systemically important, taxpayer insured, financial institution to justify this less than transparent excessively costly exchange rate fee.

Also ask Chase to make the exchange fee transparent at the time of the transaction. They should be required or at least encouraged to price it aligned more closely with their actual cost. To me this high rate suggests almost discrete usury. Usury and less than transparent costs discourage activity important to our country 's economic growth and inhibits participation in global financial transactions.

A clear direct response is eagerly awaited.
Product: Payday loan, title loan, personal loan, or advance loan

Affirm declined XXXX loan without stating reason despite high credit score and income.
Product: Debt collection

On XXXX ATG responded back to case # XXXX will a bill stating that they notified me, please look at the address on the bill it says XXXX XXXX XXXX XXXX I haven't lived there since XX/XX/21. My new address is XXXX XXXX XXXX XXXX, IL XXXX. So they never gave me a chance to responded and they bogusly placed this on my credit report without giving me an option to pay or settle if it's truly my debt, but a bill don't clarify that it's my debt. Where is my signature stating that it was me that received the medical attention. Then what they uploaded has a 0 balance. I'm confused as to why this is on my credit report at all.
Product: Debt collection

I had an overdue account with XXXX. The debt was sold to a company named EOS CCA who sent me paper mail and the debt was paid. The debt was {$500.00}. The debt was paid in full although I do remember thinking their form of payment was a bit odd as it was basically a cash transaction. On XXXX/XXXX/2017 I received an email from XXXX informing me there was a change in my credit report and as of logging in and looking at it I found it was a very significant drop due to EOS CCA reporting me for collections. I was never contacted by the company in any form. I did research and found that I was one of very many people scammed by this company and it 's fraudulent acts of business.
Product: Vehicle loan or lease

paper work to reg vehicle was lost, call dealer a # of times till no pw, also this loan co calls my friends saying i need to pay attn on this loan