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

XXXX XXXX XXXX XXXX  ; Account numberXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : Disputing errors on credit report Dear XXXX XXXX, I am writing to request a correction of the following information that appears on my XXXX, XXXX, & TransUnion XXXX report : XXXX. ) Credit report information to identify account status : INCORRECT - XXXX XXXX  ; acct # XXXX XXXX. ) Dates associated with item being disputed : FROM XX/XX/XXXX until XX/XX/XXXX. 

Explanation of item being disputed : Due to the executive orders of the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX, my travel visit to the island of XXXX turned into temporary residency due to closed borders of international travel in XXXX of XXXX. My earning-ability was drastically changed. Many efforts to make payments were rerouted as " XXXX '' due to my IP Address being beyond domestic range. 
Representatives from XXXX XXXX were not understanding with my responsibility to maintain XXXX  payments. This lack of completing transactions resulted in the reporting of payments late, subsequently charged off ; then repossessed after deferment contingencies were not available. 
- The report shows proof your company that have already been repaid. 
- I have processed the proper tax forms to reflect these matters, as well as the measurements taken by XXXX XXXX to validate accuracy of this information. 
- Since having this automobile refinance after a previous loan was assumed through XXXX XXXX, I have had costly ( financially, and non-financially & economically ) expenses to secure proper transportation and the associated fees of acquiring, registering, and insuring transportation. 
- This circumstance started a web of circumstances affecting my credit worthiness, standing, and creditability. The information needs to be accurate and updated. This includes having XXXX  hard pulls on my credit profile, which the XXXX XXXX, AND Their XXXX  Departments contend that XXXX  impacts my credit report. 

Please ensure the accuracy of this situation is recorded and reflected on all personal and business credit reporting bureaus. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 Credit Bureaus and let them all aware that I am a victim of fraud. I did not request for XXXX XXXXXXXX XXXX  to access my credit profile. In return the representative told me that they can not delete the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, US Dept of Ed/XXXX XXXX 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 n account without my written instructions 15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose
Product: Checking or savings account

Deposited a check received from my daughters boyfriend s mother she shared residence with during the process the mother past away my daughter waited for the check to clear and when it did clear chase froze account withdrawals the funds and claims fraud XXXX. The amount of the check the bank extracted from the account to pay account I owed on then withdrew the balance claimed fraud the check had been cleared paid to my account not fraud
Product: Credit reporting or other personal consumer reports

XXXX XXXX, I send a letter to the courthouse asking do the report bankruptcies to credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody ''. So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information, However, such information shall not include specific factual information on consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from creditor of the consumer from the consumer. They also violated my rights numerous times. The credit bureaus violated my given right 15 USC 1681. According to : 15 U.S.C. 1681 section 602 A. State I have the right to Privacy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has inaccurately provided information to consumer credit bureaus ; My XXXX  loans were transferred to another company in XX/XX/2023, yet XXXX is still reporting open accounts with a balance of over {$60000.00}. I no longer have an account with XXXX. My loans were transferred to another company and completely forgiven! My student loans balance is {$0.00}. 

XXXX ) Experian - I filed a dispute with Experian. After XXXX days, Experian responded that they resolved this dispute. But - the loans are still showing a balance of over {$60000.00}. Experian did absolutely nothing to resolve this dispute. As a paying consumer for Experian, I deserve better than this.
Product: Checking or savings account

USAA Bank XXXX Department in XXXX XXXX Texas Refuses To Send A Criminal Written Disclosure In The Dispute Of USAA Member Checking Account in XXXX that Was Confirmed as An Illegal Agreement by USAA Bank and XXXX XXXX  by XXXX Contact in XXXX and Is A Horrific Financial Fraud Criminal Act that Requires An Immediate Written Disclosure to Claimant XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was approached by a man I met on Discord who promised me he was a reputable XXXX XXXX by a mutual friend. After believing this, I purchased a XXXX XXXX funded account valued at {$80.00} using my own money and immediately went to him to enlist his services in passing the account " challenge '' so that I could get access to a funded account and through his help make profits once the challenge was complete. After sending him login information and paying him a fee of XXXX dollars, he promised me he would get it done within 46-72 hours. Unfortunately, I found out this was a scam. The email he gave me, XXXX, apparently does not include his real name, nor does his XXXX XXXX XXXX XXXX. I paid him through PayPal on that email, and he has not performed the service I requested, simply repeatedly saying " he can not log in '' after assuring me he was able to. I have reached out to him multiple times requesting him to refund me, to no avail. Is there anything you can do to help me with this situation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documentation on XX/XX/2021 and XX/XX/2021 and still have not received a response from Equifax or XXXX.
Product: Credit reporting or other personal consumer reports

The credit bureaus have listed fraudulent accounts on my report. Portfolio Recovery sent has reported XXXX fraudulent accounts on my credit report. No letter, no documents, no call. This is harming my credit report. My consumer rights have been violated
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be updated. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I want to file a complaint against XXXX XXXX NMLS XXXX at leader bank in Wisconsin XXXX XXXX I do believe. 
My first encounter he belittled me like I never have been before telling me in the 5 minutes he talked to me he could tell I have problems. I got off the phone crying. He apologized the next day because I told the person who recommended him. So I cautiously gave him a chance. So as I looked at houses and he is the loan officer he  would say hey this new house is coming up do u want to check it out. Of coarse. He asked if I had a realtor I said yes. He said well we have one at the bank who can show you this house if you dont have a signed contract with the realtor. I said thats fine. I wasnt to happy but I was glad to see a house first. So he said meet XXXX. Well I go to the showing and he is there and XXXX is there. He said this is my wife XXXX. I was not happy. I know what he was doing. He was gon na give me the loan if I used XXXX. I was not intrested in the house. So I saw a few houses by owner or at open houses and first thing hed say is do you want XXXX to write the offer. I said no we have a relator I told you this. After several attempts to manipulate me to use his wife and me rejecting him he stopped answering my calls for the loan. Stopped all contact with me. This was very I Nprofessional I felt u confrontable I felt so uneasy. I found a new banker and he had told me about this web site. I will tell you its worth looking into. This is completely against ethics. He should be fired. I hope something should be done
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update and correct this suspicious information. I think you have not validated these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX - ACCT XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX ACCT XXXX XXXX Account name : XXXX XXXXXXXX - ACCT # XXXX Account name : XXXX XXXX XXXX XXXX - ACCT # XXXX Account name : XXXX XXXX - ACCT # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX -ACCT XXXX Account name : XXXX XXXX - ACCT XXXX Account name XXXX XXXX XXXX -ACCT-XXXX Account name : XXXX XXXX XXXX ACCT XXXX Account name : XXXX ACCT- XXXX Account name : XXXX XXXX XXXX -ACCT 2005 Account name : XXXX XXXX XXXXXXXX -ACCT XXXX Account name : XXXX XXXX - ACCT # XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX - ACCT XXXX Account name : XXXX XXXX - ACCT XXXX Account name : XXXX XXXX XXXX  -ACCT XXXX Account name : XXXX XXXX XXXX -ACCT XXXX Account name : XXXX ACCT- XXXX Account name : XXXX XXXX- ACCT XXXX Account name : XXXX XXXX XXXX XXXX  - ACCT 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 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 card

I had recently moved to XXXX and was not able to make a payment back in XXXX, I called the company and was told that I must make a payment first before they would be able to reverse any payments or change the report to the credit bureau. I was instructed to call two days later after the payment was posted, and I did to which I was told that nothing could be done because I was over two months late. To make sure I would n't miss another payment I asked the representative explicitly to setup autopayment for my minimum balance. It was my understanding that the autopayment would have fluctuated as the minimum balance was increased. 
Fast forward to XXXX/XXXX/2017, I always checked my bank to make sure the payment was taken out, but when I checked my credit score I saw that it had dropped significantly due to being late three months. I called Bank of America and talked to a representative which told me that the information which was given to me back in XXXX was false and that they could in fact change the credit history even after two month and they would be able to fix both issues after I had made a payment, he also mentioned that they have no record of me talking to a manager two days later. I still have the phone records if needed. 
Again I called two days later and was told once more that nothing could be done other then only one late fee being retracted. I asked to talk to a manager and somehow I was connected to the same manager from XXXX which told me she would not be able to do nothing once more.
Product: Money transfer, virtual currency, or money service

I used WorldRemit to send {$1000.00} USD to XXXX XXXX to pay for a research internship I am completing next summer. I initiated the transfer on XX/XX/21 and my internship organization has yet to receive funds, and stated that while they usually use WorldRemit for this purpose, another one of their interns had the same problem I am experiencing recently. I contacted WorldRemit to see why the transfer was delayed and attempted to cancel it but was told that my money was already with their local partner and they could not cancel the transaction. I asked who their local partner was and they refused to tell me but said they would send an email asking this partner to reject the transaction so WorldRemit could cancel it and refund me. They have yet to get back in contact with me and they are nearly impossible to reach via their customer service phone number and online chat function. I have lost {$1000.00} USD now and am unable to pay for my internship or receive any answers as to where my money is.
Product: Debt collection

This debt is in reference to a portion of rent that a former landlord says I owe when I provided the correct move-out notice and the landlord also breached my contract by entering apartment without notification ( expressly forbidden by the lease agreement ) on multiple occasions, thereby violating my privacy. 

I am contesting the actions of the collection agency, Louisiana Bureau of Credit Control located at XXXX XXXX XXXX, XXXX LA XXXX lbccinc.com XXXXThe collection company informed the XXXX credit agencies - XXXX, XXXX, & XXXX - on XXXX XXXX of a delinquent debt. However, I was not sent a letter until XXXX XXXX. On XXXX XXXX, 2015 I sent a certified letter ( USPS XXXX XXXX XXXX XXXX XXXX ) disputing the debt. 

The collection agency is required by law to notify the XXXX credit bureaus of this dispute. They did not. I visited their office on XX/XX/XXXX and was informed by the manager that they passed the dispute on the credit agencies. On XX/XX/2015 I called all XXXX credit bureaus and none of them have any data indicating that Louisiana Bureau of Credit Collections ever notified them of my dispute. 

This violates the Fair Credit Reporting Act on the grounds that 1 ) they did not validate the debt and filed it with the XXXX credit agencies XXXX months before sending me a collections letter, and 2 ) they did not forward my dispute on the credit agencies as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my XXXX credit report and noticed that you are reporting inaccurate information as a result of identity theft- in the Accounts with Adverse Information section. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

Account Name Account Number Balance XXXX  XXXX XXXX {$550.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00} You are required to do what I am asking ( Title 15 U.S.C. 1681c-2, a1-4 ) and block this transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Credit card

In XXXXXXXX XXXX I filed a bankruptcy with one entity on the application It was made clear on the application that any entity not listed on the application would not be a part of the application. Thus it would be necessary to pay all other creditors not listed, I tried to pay my account with JP Morgan Chase ending in XXXX. Only to be told that they are refusing payment because of the application, that the account was being Charged Off and I didn't have to pay and they refused to accept payment for the account that was XXXX percent on time and not in arrears. I tried repeatedly to find someone to accept payment but was turned down, they then closed the account, falsely reporting it to credit bureaus as deliquescent which is not true. There was as NO reason to close the account, because I offered to pay outside of the application. This false reporting has caused plenty of damage. All conversations with them are recorded and I wish a correction to all credit bureaus asap.
Product: Mortgage

Work for 5 months with loan officer to get a Bank statement loan. I was quoted 7 to  7.5 % interest, high for this market but I am self employed. I was told she would wait to lock in a lower than 7 % as there would be some better deals around XX/XX/XXXX.The lenders final interest rate on the final disclosure was 8 % I was told due to a credit line from XXXX that stated last reported XXXX which upon my own investigation is a typo on the XXXX report . I closed my loan and while signing the papers, was told I was buying down the rate from 8.25 % to 8 % for {$750.00}. I was never told in any disclosure or even verbally anything about a 8.25 % rate. I, the title agent and my realtor were shocked. I had to close today as the seller was also in contract on another home and moving to XXXX tomorrow. This hole deal felt wrong, but I needed to complete it as time ran out to pursue other avenues. I feel I was baited and switched and completely taken advantage of by this Mortgage company. Please help us to make sure this doesn't happen to anyone else. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I applied for a new XXXX XXXX for XXXX XXXX that was to open in XXXX. A month later, XX/XX/XXXX I get a letter in the mail mind you that says I was denied because my Experian report is in FREEZE and I would have to remove it and wait 30 days to reapply. I understand the difference between at lock and a freeze. I have my credit reports LOCKED because of the data hack at one of the agencies a few years back. I waited the 30 days and then contacted the XXXX XXXX and tried to explain that I can unlock it anytime and all you have to do is notify me by phone or text, which they have, and then after your done I will relock the next day. It was like talking to a brick wall. After speaking with 3 people and supervisory they still made me reapply even tho they had my initial application with my phone number on it. So, I missed using it at XXXX grand opening at which their district manager gave me a gift card for the hassle ( so XXXX know about this ). I got the card in early XXXX. I reached out to Experian by email and explained to them, who you would think would know better, that they told XXXX I was in a freeze but I was not. They did respond with a soft apology but I am not sure if they learned anything. I am asking you, CFPB to study this some and make rules that direct the credit agencies and the banks that issue credit cards etc. that they need to understand Lock and Freeze and if a persons reports a locked, that they MUST contact them by text or phone and ask for the report to be opened for their viewing. This problem is not the fault of we consumers and the banks and credit agencies need to do a better job at servicing we citizens.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DEPT OF ED / XXXX  XXXX Balance : {$3300.00} ; DEPT OF ED / XXXX XXXX Balance : {$1900.00} ; XXXX OF XXXX / XXXX XXXX Balance : {$7500.00} ; DEPT OF ED / XXXX XXXX Balance : {$4100.00} ; XXXX OF XXXX / XXXX XXXX Balance : {$3000.00} ; XXXX OF XXXX / XXXX XXXX Balance : {$1500.00} ; DEPT OF ED / XXXX  XXXX Balance : {$2100.00} ; DEPT OF ED / AIDVANT XXXX Balance : {$2600.00} ; DEPT OF ED / XXXX XXXX Balance : {$2000.00} ; DEPT OF ED / XXXX  XXXX Balance : {$2300.00} ; DEPT OF ED / XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$20.00} ; XXXX 'S XXXX XXXX XXXX : {$450.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX, I filed a dispute with XXXX, Equifax and XXXX about the inaccuracy being reported on my credit report of the account XXXX XXXX XXXX XXXX  account number XXXX. There are two different high balances being reported. {$31000.00} on XXXX and experian, but {$22000.00} on equifax. How is this even possible when you're supposed to have the same accurate information reporting according to the FCRA. I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in several months.after numerous attempts. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these bureaus about this inaccurate account as of today. Thank you
Product: Credit card or prepaid card

In XX/XX/2019, I was offered a balance transfer with a 0 % APR. On my most recent statement, the rate was increased to 22.99 % and I was charged {$150.00} in interest with no warning or notification. Capital One admitted that the last notification they provided was over 15 months ago, in XX/XX/2019. Additionally, while the XX/XX/2019 statement provided by Capital One does list the offer end date, it is not mentioned on the Account Terms which are legally binding. This is clearly out of line with industry practices as XXXX  XXXX XXXX has sent multiple notifications when their offers are ending.