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

on XX/XX/XXXX i filled a complaint through the cfpb # XXXX asking Experian to investigate a late payment on an account on my consumer credit profile under the name XXXX XXXX XXXXXXXX XXXX , Account XXXX XXXX XXXX. I also mailed in another request on XX/XX/XXXX that Experian completely ignored.


I let them know that there was an error in the system and that this account was paid as agreed never late but instead they said they verified the account but that wasn't what i asked for. listed below is what i asked Experian for now 3 times. A detailed description of the procedure used to determine the accuracy and completeness of the information in question. The name and contact information of the furnisher of the information, including the business name, address, and phone number. Proof that the creditor sent the periodic statement, including any tracking numbers or proof of email receipt.
Product: Mortgage

I have been trying to honor my signed agreement with my loan modification from XXXX XXXX XXXX, a company hired by Bank of America to service loans during hardship. I was given back to or my servicing was returned to Bank of America in XX/XX/XXXX. From day one Bank of America has been attempting to dispute my payments and insisted that I owe more than the signed modification. This claim they say is because of my city taxes, however my city taxes have not increased since XXXX which was 2 years before the loan modification. They then said it was my homeowners insurance. This policy is lender placed and exceeding the amount that the loan is for. I then placed my own insurance on my home but the insurance cancelled because I needed a roof. Inspire of this my main problem still is why the bank is not working to honor the modification which helps me to avoid foreclosure. I feel Bank of America is being unfair by placing unaffordable insurance on my home along with discrimination against me and my status as a single XXXX home owner. The bank isnt trying to work with me on affordable insurance because its not profitable to them. This is my home Ive been here for 16 years and Im trying to stay in my home. I hope you can help me with this matter.
Product: Mortgage

From the beginning Intercontinental Capital Group ( ICG ) loan officeXXXX misrepresented, over promised and made false statements. I began the refinance process with ICG in XX/XX/2021. The loan XXXX was dishonest about the amount of out of pocket expenses I would have if I went with the lower interest rate. He stated I would only have to pay {$400.00} for an appraisal ; however, after receiving a quote there was an additional {$15000.00}. I was specific in my questions regarding upfront cost and the loan officer XXXX XXXX lied. A few weeks went by and XXXX continued to contact me apologizing and expressing interest in getting my business. I decided to give him an opportunity however I needed everything in writing. The amount of unprofessional, poor business practices and lack of integrity I received from the two of you Ive the past month equates to one of the worst business experiences Ive ever had. Before deciding to do business with ICG, XXXX flat out lied to me regarding about rates and my upfront cost. This should have been my first sign that this organization has shady business practices. XXXX was well aware of my current issues with my mortgage company as I explained this on multiple occasions before and after having my credit run and signing the application to move forward. XXXX, you were also well aware of these sand challenges as XXXX claims to have shared these with you but lord Importantly I not only shared the same info, provided written documentation, statements and other info. You both reassured me that there would be no issues moving forward and that ICG would refinance my loan. XXXX, you repeatedly dropped the ball and provided partial information and failed to properly review documents that I sent. Even in our last communication both you and XXXX chose to place blame on my mortage company instead of taking responsibility. XXXX my last conversation with you was a compete low. You said that you agreed with me and that XXXX had dropped the ball. You even went as far as to say you would ensure XXXX communicated with you directly to help move the process alone. The next communication from you is a cowardly email suggesting theres nothing else ICG could do to assist me and again placed blame on my mortgage company. This is flat out unprofessional and one of the worst business practices Ive ever experienced. This is extremely concerning and you both should be held accountable for the poor, unethical business practices. I cant imagine how many other customers you two have failed and lied to while throwing your hands up as if you dont have to be held accountable. If this is representative of ICG this is extremely unethical and in certain goes against the guidelines. The both of you should be ashamed. 


- XXXX XXXX
Product: Checking or savings account

Bank America Account ending in XXXX claim # XXXX I have not received any information on the settlement agreement reached by Bank America in reference to this bogus account that was opened in my name using my information from when I previously banked with them over 10 years prior
Product: Mortgage

I am XXXX and I am tax exempt from paying taxes on my home through a tax relief program in the county I reside in ; XXXX XXXX, Va. 
I sent the letter from XXXX XXXX to BOA I am not sure what happened, but somehow it was NOT put into their system correctly. I went to BOA on XXXX XXXX XXXX XXXX, va XXXX in XX/XX/XXXX, I met with XXXX XXXX at BOA customer service dept and explained what happened, and she faxed the letter with a short note. Still nothing. I am still showing late and getting late notices in the mail. I tried to call on numerous occasions, but never got through to anyone but the collection department. I went back to BOA on XXXX XXXX On XX/XX/XXXX, and XXXX XXXX helped me once again. Apparently the entire situation was fixed. It was not. I went back to the bank again in XX/XX/XXXX and the manager XXXX XXXX told me they could not help me with my mortgage problem anymore. I need to get on the phone and the escrow Dept will help me. I called escrow Dept on many of occasions and it keeps rolling my call to the collecti9ns Dept. 
They have been saying my mortgage is late and have been reporting it late for almost 1 year now. I have recorded the last 2 conversations with the collections escrow Dept. I HAVE NEVER BEEN LATE WITH MY MORTGAGE! I am so frustrated with this if you dont help me Im gon na have to drive to headquarters in NC. 
THANK YOU for your assistance in this matter. 
I have all of the late notices and have recordings, and always being promised I would get a call back and they will escalate this. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Information reporting to my credit report does not belong to me belongs to someone else it has incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

All these inquiries on my credit files are fraudulently placed. I did not fill any application out for the following, please remove these unauthorized inquires 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: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX
Product: Student loan

Automatic payments were established in advance and no payment ( {$180.00} ) was taken on the due date ( XXXX ). Now my account shows as past due. Called and spoke with servicer and was informed they don't know why it didn't come out, but that I should make a manual payment. No information was provided as to if a debit would randomly come out causing multiple payments be made or if I will be penalized with a late fee.
Product: Credit reporting or other personal consumer reports

In XXXX I had an XXXX XXXX XXXX file my taxes, while filing for my taxes me or the preparer didn't notice that my W2 had the incorrect Social security number for me. After filing my taxes I had received my federal and state taxes that year. But as of XXXX I had noticed my incorrect Social Security XXXX were incorrect for XXXX & XXXX W2 forms. Not until my boss had not mentioned that I was laid off and I was filing for unemployment I had made her correct my W2 form social security number to the correct #. I don't know if she reported the changes but I do not have a correct W2 form with correct Social security number for XXXX. My identity has been stolen from XXXX and I had to file for an extension for XXXX due to the fax my new tax preparer had mention that someone who wasn't me had filed for my taxes without my consent.
Product: Prepaid card

I received an American Express Reward Card via email with a value of {$15.00}. From tthere I clicked the link to start using the card : XXXX XXXX XXXX. This shows a balance of {$15.00}. I attempt to use the card on XXXX. The transaction is declined. I tried again with various other amounts less than the full face value. Many people have reported having this problem.
Product: Mortgage

Navy Federal Credit Union ( NFCU ) and my ex-spouse colluded to foreclose on my home by changing the loan solely to his name and refusing to give me any information in order to pay the mortgage and keep it from going into foreclosure when my ex stop paying on the mortgage. My ex-husband and NFCU employees colluded to embezzle the house I was awarded in our divorce. This occurred in XX/XX/2011 thus the criminal statute of limitations of six years applies. When I signed the loan documents NFCU promised to work with me if any problems were to arise. They lied to me, knowing that the purpose and long term goal was to embezzle my real property. This is a long running scam using : marriage, identity theft, kickbacks, and bribery and the tactics are similar to those used in the XXXX XXXX. 
At the time of the loan, I had reconciled with my ex-husband as he promised that his attorney would dismiss the divorce because there was no judgment. He lied knowing that his scheme was to embezzle my assets, me retirement, and illegally use my identity and assets for financial gain.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX and XXXX numerous times, the last time being, XX/XX/2024 stating that they are both reporting different total balances as well as inquiries, delinquent and derogatory reporting. 
Also Syncrony bank and XXXX XXXX are both reporting different opening dates on XXXX and XXXX. 

I am opting out under 15 USC6805
Product: Credit reporting

Civil judgement and eviction has been removed from all XXXX credit bureaus, but 3rd party agencies ( i.e. LexisNexis, XXXX, XXXX, XXXX, XXXX/XXXX, etc ) are still reporting it. The creditor is showing up under XXXX ( XXXX/XXXX ). This is making it very hard to be able to rent anywhere else.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was notified of an added account " CBNA/THD ''. I was going to look into and got busy with work. A few days later, I received a notification from XXXX XXXX of a new added account that matched above. I stopped what I was doing and looked into it further. I received on the same day notification from XXXX XXXX of a new added account, " CBNA/THD ''. 

I submitted disputes with XXXX, XXXX and XXXX. Recently I received notification of the results being " ACCURATE ''. 
It showed a phone number of who to contact if I want to continue disputing if I found the results to be incorrect. 

On Saturday, I called XXXX 6 times. 
One time, I input my social and the system couldn't verify my information. 
Four times, I was transferred to an automated machine for Home Depot, they couldn't verify my information with the last four digits of my social. 
When I called back Citibank, I requested to not be transferred due to getting an automated machine and not getting a chance to speak with a person because I can't be verified. A representative at Citibank couldn't find my information either besides my XXXX XXXX card. I told the representative that is exactly what I'm trying to dispute that I don't have this Home Depot card and their system can't verify my information so how is this account opened under my name. I was transferred over to the same company Citibank but to a department that opens loans. 

I'm not sure how the disputes were investigated if Home Depot and Citibank 's information can't verify me. I don't have a application number since I never started one with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called ( and spent hours on hold ) to get in touch with all three credit agencies.

All three of them are incorrectly reporting my credit usage ratio. They show a much lower line of credit ( almost {$60000.00} ) than what I have. Consequently, the balance that I have on my credit cards is showing in the 33+ % range, whereas it should be under 20 %. Consequently, my FICO score is much lower than it should be.

I have called each bureau several times to try to correct this. Invariably, they point the finger at my credit card companies and say they " must not be sending in your credit report ''. I've called every one of my credit card companies and confirmed that they are sending credit reports on a monthly basis. 

I have been trying to get this corrected for months, only to see no change in their erroneous reports. 

MyFicoReport today said I should contact you. I hope you can help because I want to refinance my home while the rates are low, and I want my FICO score to accurately report my status.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app. ( Block, inc. ) due to inadequate customer services and unfair practices, which violates the consumer financial protection act. Specifically, cash app failed to take timely and effective measures to prevent an 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, error resolution requirements under the electronic funds transfer act and regulation E. These actions has caused Significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Consumer Loan

While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiry was initiated by XXXX BANK on XXXX. I did not authorize any employee of XXXX BANK to review my records for any reason at any time. I had also requested XXXX BANK to provide me with documentation for my verification within 5 business days and they have failed to do so, in clear violation of my FRCA and Privacy Rights. I have continued to suffer irreparable economic injuries as a direct result of this negligence on the part of the BANK, including but not limited to inability to secure meaningful employment, housing and obtain new credit.
Product: Student loan

I received a letter from Bass and Associates, P.C.Student Loan Department XXXX XXXX XXXX XXXX, AZ XXXX on XX/XX/2018.Immediately I send a validation letter requesting, 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4.  Documentation showing you are licensed to collect debts in Montana, on XX/XX/2018. Since then I have not seen the documents requested. I have received 2 more collection letters and they are still reporting t to all three credit bureaus. I need help. Please. Thank you.
Product: Debt collection

" Diversified Adjustment Service, Inc. '' has been making repeated, unwanted calls to my personal cell phone for weeks now. They never leave a message. It's clear they are a debt collector, but I have no idea what debt I could possibly owe. I do not believe I owe any to anyone. They certainly have not let me know of any debt they claim I owe them in writing, as I believe they are required to do by law within five days of contacting me. It has been well beyond that ( first call was at least two weeks ago ) and still I have no proof or even a specific claim of any debt, in writing or otherwise, just persistent spam phone calls. I wanted to let them know in a written message myself to either provide proof of a debt or cease contacting me, but they do not seem to make it easy to contact them in writing, so I was forced to go directly to you.
Product: Credit reporting or other personal consumer reports

There are two ( 2 ) accounts reporting with the same account number ( 1 ) Account Name : XXXX XXXX XXXX Account Number : XXXX and ( XXXX ) Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX. Both accounts are one in the same and are reporting to the same Credit Reporting Agency with Inaccurate Data as highlighted on the Transunion Credit Report. The inaccuracies are highly injurious to my credit report and score. In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Subsection A-D. If the information is coming from the original creditor all information should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report. 
Account Name : XXXX XXXX Account XXXX : XXXX Mortgages LLC Account Number : XXXX Account Number : XXXX Balance : {$120000.00} Balance : {$120000.00} Date Opened : XX/XX/XXXX Date Opened : XX/XX/XXXX In the remarks you claim the account is in Forbearance, but in the payment history you are reporting XX/XX/XXXX and XX/XX/XXXX both 60 days late. How can both of these be correct? Which one is right? Which one is wrong? Are they both wrong? Fix this or delete the entire account. 
You say the date of last payment was XX/XX/XXXX but on your payment history you have 60 days late for XX/XX/XXXX ( XXXX ). How can a payment be made in XXXX and the account is 60 days late at the same time? That makes no sense to me. How do you explain this? Is the date of last payment correct? Is the account 60 days past due are you seriously saying I made a payment in XXXX and I was also 60 days past due? Base on this clear inaccuracy I request you delete the entire accounts from my Credit Report
Product: Credit reporting or other personal consumer reports

After obtaining my consumer report from XXXX and Experian, I have noticed many inaccuracies that I would like to have investigated. Accurate and fair credit reporting is a fundamental right, and the current reporting on my credit file does not comply with this requirement. 

Dispute with XXXX : Incomplete Balance History and Scheduled Payment Information : Since the opening of my XXXX  XXXX  account in XX/XX/XXXX, XXXX has only reported balance history, scheduled payment information, and past due information for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This sporadic reporting is inconsistent and should be regarded as inaccurate. Accurate credit reporting requires a complete and continuous history. 

Inaccurate Delinquency Reporting : XXXX is reporting my account as delinquent for 120 days for XXXX consecutive months. This is inaccurate as a delinquent account status should increase continuously if no payments are made. This incorrect reporting negatively impacts my credit profile and does not reflect the actual delinquency status. 

Dispute with Experian : Inaccurate and Missing Balance Payment Information : Experian is reporting inaccurate and incomplete balance payment information. Specifically : For XX/XX/XXXX, Experian reports XXXX different balances : {$1300.00} and {$1300.00}. 
For XX/XX/XXXX, Experian reports XXXX different balances : {$56.00} and {$1000.00}. 
Inaccurate Payment Dates and Amounts : Experian is reporting incorrect payment dates and amounts : In XX/XX/XXXX, Experian reports a credit balance of {$1000.00}, and in XX/XX/XXXX, the balance decreases to {$680.00} but shows a payment of {$0.00} for XXXX. 
In XX/XX/XXXX, Experian reports a credit balance of {$910.00}, and in XX/XX/XXXX, the balance decreases to {$880.00} but shows a payment of {$0.00} for XXXX. 
Inconsistent Payment Dates : Experian reports a payment date of XX/XX/XXXX for multiple months, including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These duplicate payment dates are incorrect and do not match my payment history.

Applicable Laws : Under the FDCPA, specifically Section 807 ( 15 USC 1692e ), it is prohibited to report false information on a consumer 's credit report. The inaccuracies and inconsistencies detailed above violate my rights under this law. Additionally, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ) mandates accurate and complete credit reporting.
Product: Credit reporting or other personal consumer reports

There were several account opened with my knowledge or signed consent. 
I call all of the company 's and asked to remove the inquiries off my credit report. 
They said they would but there still on my credit report. I call each company in XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They claim that I activated the card that I have NEVER received. I called them to complain and let them know that I did not have a card, they claim that it was activated from my cell phone.IT WAS NOT, NEVER WAS, BECAUSE I NEVER HAD THEIR CARD, Now they have added this to my credit report, and it has drastically lowered my score. I WANT THIS REMOVED AND TO CLOSE THIS CARD ACCOUNT that I DO NOT HAVE.
Product: Mortgage

My Mortgage company will not process a loan payoff request. It has been 10 phone calls and 3 weeks to try to get this info. I am convinced they are milking days of interest for this. I was supposed to close on a re-fi on XX/XX/XXXX and I am now calling them again with no resolve
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 

XXXX XXXX Balance : {$200.00}