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

XXXX keep reporting false, deceptive misleading, incorrect information on my credit report. They allow XXXX XXXX  to report incorrect information on my credit report. This is unfair deceptive practices. I have kids and I can't get a home because of these errors on my report I have provided proof. I have provided that I have paid this account they refuse to remove this incorrect account that is reporting falsely on my report. They have taken more than 30 days to investigate and they still have not validated anything about this account. You can not be 60 days late then 30 days late then positive, then negative. then 120 days late one day then charge the account off to another thirdparty without my permission. I paid them and they are still reporting me late
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple disputes on a collection account that is reporting multiple innacuracies on my report account is showing a past due balance this account is in collections and from what I read a collection can not have a past due balance as a collection is past due by default please delete this from my credit report for failure to accurately list this item.
Product: Mortgage

I recently applied for a Home Equity Line of Credit ( HELOC ) from First Tennessee Bank, of XXXX, Tennessee. My application was denied, due to insufficient income. The fact that I have roughly XXXX dollars of real-estate assets, in addition to owning fully my own home, valued at roughly XXXX dollars, upon which proposed HELOC would be based, apparently had no bearing upon First Tennessee Bank 's decision, in regard to said HELOC. 

According to the CFPB pamphlet " What the new Ability-to-Repay rule means for Consumers, '' referring to a provision in the Dodd-Frank legislation, the rule " applies to most mortgage loans. However, it excludes certain types of loans, like home equity lines of credit.... '' As the CFPB pamphlet relates, income should have no bearing on a HELOC, which is a loan upon the value of the potential borrower 's equity in the property itself. Again, I own XXXX % of my c. {$500000.00} home. There is no mortgage. 

By rejecting my application on the grounds of insufficient income, First Tennessee Bank would appear to be in clear violation of the law, as related in the above-cited CFPB publication. 

First Tennessee Bank 's claim that bank regulators require them to base their approvals of HELOC 's upon prospective borrowers ' income, does not excuse First Tennessee Bank from their apparent violation of law. Nor does said claim relieve First Tennessee Bank of any penalties or awards resulting from said violation. 

I am a retiree, with very limited income. Living expenses require that I supplement my insufficient retirement with personal assets. Recent expenses require that I liquidate one asset, a certain parcel of commercial real estate, in order to meet ongoing expenses. Until that happens, I need a HELOC to meet said expenses. 

The refusal of First Tennessee Bank to advance such HELOC, allegedly contrary to law, places me in jeopardy of losing my fully-owned home, contrary to reason and justice. First Tennessee Bank 's action or inaction has caused me tremendous emotional stress and pain, in the months since their refusal. 

I implore the CFPB to use whatever powers and influence it may have, to try to induce First Tennessee Bank to uphold the law, and not refuse my application, due to insufficient income. Thank you very much.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 have been trying to refinance my mortgage but due to how my student loans are being reported to the credit bureaus I was not able to get approved. The loans are being reported with an original credit limit amount, however the balance has grown much higher to the original amount due to interest being capitalized during my deferment. It appears to my credit report that I have exceeded my credit limit which negatively impacts my credit score to be approved for refinance.
Product: Mortgage

The mortgage company that services my loan did not pay the renewal premium on my home owner insurance policy in XXXX of XXXX and all the way to XX/XX/XXXX. In XXXX I was able to call them and get them to pay the premium and have insurance, or so I thought. Traditionally this is part of the service of a mortgage co., and why they collect money into my escrow account. Yet they fail to pay the annual renewal premium in a timely fashion or at all as is the case in XXXX. It would seem after they paid the renewal to insurance company in XX/XX/XXXX, they sent to wrong address. 
The payment for my homeowners insurance was returned to the mortgage company. They re-deposited it into my escrow account with no notification of having no home insurance until XXXX. They let me go without any home insurance coverage for an entire year, unbeknownst to me! 
I called and asked for an investigation in XXXX, spoke to XXXX XXXX. He never got back to me with anything. In XXXX I called speaking to multiple reps. including XXXX XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX XXXX told me I would be refunded {$1500.00} back into my escrow for them charging me {$1900.00} to buy insurance from their own company for the year that passed that I went uninsured because they failed to send renewal premium in a timely fashion to the correct address! 
I had to find my own new coverage for XXXX at an increase of more than XXXX as much. As a result they increased my mortgage over {$400.00} because my escrow was emptied. Some man called me 2 weeks after XXXX said I would receive a credit and he stated the research is complete and they would not take responsibility for the error and would not be crediting my account for anything. Now this is wrong. I need help, I want my mortgage to go back to what it was before they set me up and robbed me! Thank you.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$39000.00}.
Product: Mortgage

I am once again facing harassment, bullying, and time-wasting by SPS " Select Portfolio Servicing ''. SPS claims I owe {$5500.00} to them for a mortgage payment. However, SPS and I have already agreed that I do not have to make any further payments. Regardless, SPS is still charging me payments and has been informed they will have to refund all these payments. 

SPS refuses to let me actually make any payment. When I called into SPS today, SPS claims I must enter a payment date for my payment. Whenever I enter any payment date, SPS is claiming the date is " invalid '', when it is not. SPS then hung up the phone on me. SPS is scheming to charge me bogus late fees for their own refusal to take my payment, when they shouldn't even be charging any sort of monthly payment at all.
Product: Credit reporting or other personal consumer reports

In XXXX and XXXX of XXXX  Possible finance decided to report negative information to the CRAs in an extremely short amount of time, without providing me a way to opt out or let alone even inform me that the information would be published. According to 15USC 6802 and -its subsections- as well as 15USC 1681 -and its subsections- my rights have been and are being violated. I have reached out to Possible Finance to send me the 3 disclosures required by law for publishing personal information and they refuse to send me anything, besides friendly reminders that I signed a digital contract that says that they may publish information, not that they shall and especially not in such a rapid time frame. I didnt see anything about signing away my rights to non disclosure. I never got any notices or emails or physical mail with regards to Possible Finances intent to report negative information to my consumer report that was clear and conspicuous. The company Possible Finance is operating in a predatory and punitive manner if my case is any example of how they generally treat their clientele and I would caution anyone to deal with them in any way shape or form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed fraudulent accounts on my report in XXXX of XXXX  and I disputed the accounts ( XXXX XXXX  amount of {$5400.00}, XXXX XXXX XXXX amount of {$6500.00}, XXXX XXXX XXXX of {$1700.00}, and XXXX XXXX XXXX of {$2500.00} ) with all 3 bureaus. Transunion, XXXX, and XXXX elected to leave the fraudulent, deceptive accounts on my credit report, and to make matters worse, XXXX later reported a late payment which caused my score to drop over XXXX pts. I did not give written consent or instructions for the identified transactions listed to be reported on my consumer report. Furthermore, the identified transactions are not information related to any transactions by me as the consumer. Please see the attachments!
Product: Credit card or prepaid card

On XX/XX/XXXX I had called Chase Ultimate Rewards ( XXXX XXXX XXXX ) to cancel my round trip flight to XXXX and re-book a one way ticket. I was told that there was a residual value of {$120.00}, and that that I could call Chase Ultimate Rewards to redeem for future airlines ( my boyfriend had a value of ~ {$450.00} leftover as well but this is connected to a different card ). The representative stated that I had until XX/XX/XXXX to use the credit with any XXXX flight and provided me with the customer service number to call when I was ready to redeem. 

I spoke with a representative on XX/XX/XXXX in regards to booking a flight using my residual value of {$120.00}. She said I could not use the value to book any future flights ; when she could not help me any further, she filed a complaint for me. She was very rushed and did not explain anything to me. She said someone would contact me within 5 business days.

It had been 6 business days so I contacted Chase Ultimate Rewards again on XX/XX/XXXX. I spoke with XXXX ( who was very helpful ). At first she had difficulty finding my itinerary, however found it in the Chase system using my confirmation code. XXXX contacted XXXX to book my flight using the residual {$120.00}. A supervisor at XXXX said it is their policy that they don't accept residual values as credit towards future flights, and that the leftover money can not be used for any future flights. XXXX told me there was nothing else that I could do and that my {$120.00} and my boyfriends ~ {$450.00} were unable to be redeemed. 

I feel that as a consumer, I was misled by the representative that I spoke with on XX/XX/XXXX. As a result of her lack of knowledge regarding XXXX XXXX booking policies, my boyfriend and I lost ~ {$570.00}. As a customer service representative for travel booking, one should have adequate knowledge of different airline policies when advising the customer. If we had been provided the correct information, it may have affected our decision to change our original flights ( thus, we would not have lost the " residual money '' aka NCO ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my personal info along with my SSN to unauthorized users.
Product: Payday loan, title loan, or personal loan

I have a checking account with Citizens bank. They apparently signed me up for an overdraft line when I opened the account. They have never shared with me the balance outstanding on the line ( I never knew I had a balance! ), do not share any statements, and do not provide any statement online ( specifically the " statement '' section related to the overdraft is empty and shows no history ). In addition, once I spoke with them and they told me there is a balance, there is no way to pay the amount online when you try to go through their process. 

It seems as though there is a very intentional effort here on the part of the bank to ensure the consumer isn't aware he has an overdraft and can charge her 24 % p.a. 

Extremely slippery!
Product: Credit reporting, credit repair services, or other personal consumer reports

Was not made aware of the right to Opt Out
Product: Debt collection

Debt was paid in full. Debt is still being reported as negative on credit report.
Product: Credit reporting or other personal consumer reports

Please take this complaint seriously, as it was submitted with careful consideration. My credit report contains mixed information, including accounts, transactions, and items that are not mine. This is highly concerning and has caused me significant stress and XXXX.
Product: Credit card or prepaid card

I was trying to use my card while travelling and it was blocked. When asked to confirm my identity, they said my responses were incorrect. For example, my mother 's maiden name. Which hasn't changed for her entire life. The responses I gave are 100 % correct, but the data they collected from " public records '' was incorrect. I was then asked to prove my identity because they obtained incorrect data. Not only was I stranded without a travel card, but I was denied to close my account. According to their security department, their methods of collecting data was not by my own submission but from a third party. I was asked to send copies of my Driver 's license, Social Security card and bank account statements. I refused and the poor customer service ensued. I have impeccable credit ( score of XXXX ), I have never had any problems with verifying my identity when asked. My mother 's maiden name has never changed and the other answers were correct as well. Barclay 's simply refused to listen to the fact that the data they are using is incorrect and instead has blocked the account. I simply just want to pay my balance in full and close the account. The said they would not close my account. I feel it is a fraud risk to have to send copies of my identification, social and bank statements in the mail or by email. Especially with a company I do not wish to have my data anymore. And that does not have the technology to pull the correct identifying data for their clients. Instead of admitting theor own errors, they put the burden of proof on me.Submitting these documents is not common practice. I refuse to put at a higher fraud risk
Product: Checking or savings account

I deposited my insurance check XXXX months ago and they cleared it sane week but did not give me acesss to funds once they verified it they have been giving me the run around told me they would close my account once I kept calling back to back I have XXXX in there its been gain interest and everything and they will not release my funds they wont even answer the phone anymore I havent been able to talk to anyone last time I was able to was XXXX months ago
Product: Checking or savings account

On XX/XX/2022, XXXX sent a letter notifying that the claim did not proceed because the transaction is correct when it is not. I do not authorize or acknowledge that transaction. They are currently charging {$4.00} daily because the account is overdrawn which is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user of a XXXX XXXX card, and have been for years. This credit card shows up on XXXX and XXXX, but not on Equifax. 

I have called Equifax and XXXX XXXX once a month beginning in XX/XX/2021. Each time I am told by XXXX XXXX  that they are reporting the information to Equifax every 30 days, but Equifax says they are not receiving any information from CXXXX XXXX 

Neither organization seems interested in helping me solve this problem. 

In addition to this, Equifax has a wrong address for me listed as my contact information. I have called on two separate occasions, as well as filed multiple disputes with their agency, and it is still incorrect. They list my address as having an apartment number, but I live in a house. There is no apartment building.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax, regarding the numerous inquiries. Equifax representative told me that there is nothing that can be done. I have a fraud alert placed on the account, and explained that I did not apply for credit. But, again the representative told me there was nothing that could be done.
Product: Credit reporting or other personal consumer reports

FIFTH THIRD BANK, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE ALL FINAICIAL INSTITIONS AND THE CONSUMER Reporting Agencies XXXX, and XXXX do not have my consent to furnish this information, per privacy act of 1974.I am an investor of these companies. Income cant not be reported, I believe securitization fraud has taken place in relations to these investments involving misrepresentation, false statement and misappropriation or funds
Product: Credit reporting or other personal consumer reports

I alerted XXXX  that there was multiple closed accounts on report could they delete the accounts that has no balance.
Product: Debt collection

On XX/XX/2022 National Credit Adjusters reached out to me via email to settle a past due debt with XXXX XXXX. I accepted the settlement off and agreed to make 3 payments of {$290.00} to settle the debt for total of {$870.00}. I made the final payment on XXXX XXXX and requested a paid in full letter. I attached the letter to a dispute on my credit report to have the account updated. National credit adjusters updated the account and left a balance as if the account has not been paid. I disputed the results a second time and National Credit Adjusters refused to remove the balance and update my credit report to reflect the XXXX  XXXX  account as paid in full.
Product: Mortgage

Have 45 yr mortgage with Wells. Im a single XXXX  bankrupt mom sick after XXXX XXXX XXXX gone wrong. Wells never paid my escrowed home insurance. They lied over 6 weeks claiming on XXXX bulk check denied then said another left on XXXX then told that never went out. Then told next check sent XXXX but insurance never received. Then exec office XXXX XXXX told me last Friday new check was overnighted. But that one never received either. Wells is taking my home leaving son and I XXXX  on streets as I XXXX XXXXXXXX XXXX. By escrow law they were supposed to pay
Product: Credit reporting or other personal consumer reports

I have had a credit card open with XXXX  XXXX XXXX for XXXX years. It has been on auto pay from my checking account since day XXXX, and has been paid on time and in full every month for XXXX years. This past year they turned auto pay off without my knowledge or consent making the XXXX  2024 payment late as well as XXXX 2024. I discovered it mid XXXX and contacted them. It's made my XXXX XXXX go from XXXX points to XXXX points. I have worked very hard to get my score up to XXXX points. They are refusing to contact the credit reporting companies and change their reporting to them. I have proof it has alway been on auto pay as well as all my statements. I have spent XXXX XXXX hours on the phone with them and XXXX hours in the local bank branch. The can't explain why the auto pay was turned off and said sometime the system will bump you off. They have my phone number, email address and physical home address and never contacted me about turning off auto pay or that the card was not paid and late in payment.
Product: Debt collection

I never had a credit card so that's why I never had a credit report. I opened my first credit card four months ago and when my credit score became available, I found out that there's a medical bill collection on my credit report. I never received any notice or bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were 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 this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file and are listed on my credit report : 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

According to FCRA 605B, we must eliminate any incorrect accounts from my credit report. Can you verify the documents? Some of the listed accounts have inaccurate reporting regarding amounts and dates.