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

I would trans Union to receive inquiries that I never seen in my report
Product: Mortgage

Hello, I part took in the US BANKS forbearance program for about 12 months until I was no longer in financial hardship. I notified the bank and I was given the option to modify the loan which I have done so and I'm actively making payments since contractual signing. 

The issue that's occurring is my XXXX score is showing serious delinquency ( 60 days past due or greater ) derogatory indicator on my account. This is not accurate. I have made all payments in cooperation with the forbearance program, on time and current. 

I have called XXXX, XXXX, and XXXX. They all confirmed I do not have an account in this standing and were unable to help file a dispute. I have received hard copy credit reports to confirm. 

I also called USBank and they confirmed they are not reporting any negative marks on my credit. 

This issue has caused me to be denied credit lines recently and it dropped my XXXX score by about XXXX points. My credit report is at 18 % utilization and current, yet it's being damaged by this derogatory mark. If this is a result of the forbearance, my credit is protected under the cares act, and they are to report the account as current, not delinquent.
Product: Credit reporting or other personal consumer reports

I recently applied for a XXXX XXXX XXXX XXXX and Comenity Capital Bank sent me a letter stating that my account was frozen for security purposes and listed XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX XXXX as the XXXX credit agencies to contact to lift the freeze. I contacted each of the agencies and they said there is no freeze on my credit report. I contacted each agency on XXXX after receiving the letter. I called Comenity to tell them that the agencies showed no freeze, so they processed the application again and said there still was a freeze but could not tell me which agency was freezing the report. I contacted each agency again on XXXX and was told the same thing. I called Comenity back again and was on hold for at least 30 minutes while the agent and another department reviewed my application was told the same thing. My XXXX report show that Comenity/XXXX  obtained a copy of report on XXXX, and my credit score dropped by XXXX points because of the hard inquiry. I should not have XXXX points deducted from my credit score for information obtained and not used. I feel this is a discriminatory practice.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the handling of my disputes concerning inaccurate information on my credit report. Despite sending disputes to TransUnion, XXXX, and XXXX, outlining specific violations of the Fair Credit Reporting Act ( FCRA ), I have not received any response from your agencies after over 30 days. Enclosed are copies of all letters previously sent for your reference. 

It is evident that your company has flagrantly disregarded the mandates of the FCRA. Specifically, you have violated FCRA 623 ( a ) b ) by neglecting to designate the disputed account as such, thereby perpetuating the erroneous reporting.

Furthermore, the provisions of FCRA 605 ( c ) have also been grossly violated. The reporting period continues to run despite the account 's last activity date being inaccurately reported. This deceptive representation fails to reflect the actual date of payment cessation, thus unfairly impacting my credit standing. 

In addition to FCRA violations, your persistent failure to validate the collection account constitutes a clear breach of the Fair Debt Collection Practices Act ( FDCPA ) 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion. 

I demand immediate action to rectify these violations and ensure the accurate reporting of my credit information. Failure to do so will leave me no choice but to pursue legal action to enforce my rights under federal law.
Product: Mortgage

In XXXX, my mortgage with Cash Call was sold to XXXX XXXX. During that transaction, Cash Call erroneously debited by account for an extra mortgage payment ( {$910.00} ). I immediately contacted Cash Call, but the refund check was sent to my previous address. I have contacted Cash Call 5 times over the past 4 months. Each time, I am assured the check will arrive within 5 business days, but it never does. I have also been told 1 ) the check will be sent overnight, which it wasn't, and 2 ) they will apply the money to my next payment, which makes no sense as Cash Call no longer holds the mortgage. 

Impac Mortgage Corp., dba CashCall Mortgage XXXX XXXX XXXX XXXX, CA XXXX
Product: Student loan

Total Principal Balance amounts to : {$70000.00} Total Payment Amount : {$68000.00} Current Balance Should Amount To Approximately : {$2500.00} minus or plus some interest Inaccurate Current Balance Listed on Website : {$11000.00} I have contacted Mohela upwards of XXXX times about this via website, phone call to customer service, and even through the XXXX XXXX XXXX  Absolutely no resolution has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because I asked for validation of debt when I physically mailed certified letter to the creditor of the alleged debt posted on my report but there is no way to reach them as they deliberately put bad address. The credit bureau did not verify anything and just leave it. How come they put it is in dispute when it was not validated.
Product: Credit card or prepaid card

I purchased a Netspend Prepaid Gift card & loaded {$100.00} on it! I could use it immediately when I purchase it because I could not activate it online and had to wait till Net Spend open up. 

I was tall but thats better now I activate the card and will take 21 business days to return to be my hundred dollars.

I offered to pay for the money they took an overnight return since they have interest of my money and they refused. 

Ive never been notified by Net Spend I could not use their services if I had known about in the car in the car
Product: Credit reporting, credit repair services, or other personal consumer reports

KICKOFF LENDING LLC XXXX XXXX XXXX XXXX XXXX, Nv XXXX ( XXXX ) XXXX I recently received a copy of my credit report, and i noticed some late payments posted on my credit report : KICKOFF LENDING LLC XXXX These companies are in clear violation of the law. Under 15 USC 181 ( 1B ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordancee with the written instructions of the consumer to whom it relates. 
I have not gave anyone written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 16181 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title ( i ) any report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has falsely coerce me into the store location when I confront it the manager about the misinformation I was given to come into the store I immediately asked for all of my paperwork and so forth to be headed back to me I ask for the credit application to be returned back since I was told that without me having the the misinformation I was given to come into the store I immediately asked for all of my paperwork and so forth to be headed back to me I ask for the credit application to be returned back since I was told that without me having the bank account information they can not process my application or accepted the manager then did not give me back the application and was very disrespectful and had security escort me out of their place of business that security officer make several demeaning disrespectful comments to me he I feel even put my life in danger by holding his hand on his firearm to the point where the only defense I had was the safety within my car and trying to be escalated argument that continued on with him outside of the store where he was taunting me to try to get me to hit him with my car while he was holding his hand on his XXXX and unstrap the holster this company has had a history of misleading customers by lying to them is for what credit reports were actually being ran or not ran as well as items to bring into the store the fact that this was regarding a place of business that lied and manipulated information to get me to fill out a false application regarding my credit for a title loan is why I'm reporting this matter along with the excessive violence used by the store employee and a customer service by the unprofessional untrained manager
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by [ Credit Bureau Name ] . Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected.

After reviewing my credit report on, I have identified discrepancies that necessitate your immediate attention : Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove inmediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ]. 
I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law.
Product: Prepaid card

On XXXX XXXX 2015 my significant other passed away, he was a secondary card holder on my account as is my niece, I am the primary card holder. On XXXX XXXX 2015, Netspend who has my prepaid card sent me an email stating not to use my card until I call them and when I spoke to a CSR he said risk management closed my account due to a secondary card holder 's death. When I tried to explain that I was the primary, I was told that risk management closed it and it was n't reversible. I made a complaint with the XXXX and Netspend responded with " anytime there is a death with a primary or secondary card holder the account is closed '' per their terms yet I could not find anything about death of card holders except that the XXXX card holder is responsible for the XXXX card holder card use. The CSR told me they could order a new card and account number but they ca n't reopen my account. I asked to speak to risk management and was put on hold, the CSR came back on the line again to tell me that they could open me a new account etc. I tried to explain to him that my payroll checks and my significant others checks still go to that account ( I 'm entitled to payments from his various holdings as his beneficiary ) again I was told they could open a new account for me and because of this my checks from his accounts have been put on hold for verification. After I contacted XXXX and the company contacted them I received a phone call from a XXXX XXXX and he left a message stating he was in the office until XXXX CST I retuned his call at XXXX CST time and he was not in his office, then I emailed him and told him and the XXXX that I would be contacting you, he has not called or emailed since I first emailed and called him.I do n't feel that they should have closed my account and at best they should have contacted me so that I may explain why his name was n't remove from my account, but know they closed it then contacted me
Product: Credit reporting

A XXXX credit card account became past due and was settled in XX/XX/XXXX. I paid the settlement agreement in full and received a tax form for the written off portion of balance that I paid taxes on. In XX/XX/XXXX I called XXXX and offered to pay the remaining portion of the balance that was written off so they would update my account to 'Paid in full ' as opposed to settled. They agreed and took my payment and updated the verbiage on account. What they did n't tell me is they re-opened the account status for credit reporting status to show late payments of 120 days plus for almost 2 years prior to the payment of the amount in XX/XX/XXXX. I specifically asked the agent at the time of offering to pay back the portion that was already settled and written off if this would jeopardize my reporting on credit in anyway and they assured me it would not. I remember specifically asking them if it would because I would rather not pay that portion and leave the account be if it would cause further issues. Basically they updated the verbiage but then updated my account with credit bureaus to make it look like I had an outstanding balance with them that was rolling XXXX plus day late payments for almost 2 years. The account would have been removed from my credit profile at this point but they say it will stay on until XX/XX/XXXX which is 7 years from the date I called in and made the payment to them just to update the verbiage on trade line. I did this because I work as a loan XXXX and wanted my credit profile to be as clean as possible. In attempting to better my credit and right a wrong XXXX has extended the damage to my credit on an account they settled. My request is to have the account removed from credit profile as the account has not been active for over XXXX years. They have been paid in full and I maintain a credit and checking account with them now with excellent history. I placed a dispute with Equifax and they came back and said XXXX did not agree to remove. I have called XXXX probably a dozen times over the past XXXX years and tried to get them to help and the department that handles this told me they agreed with me and that the account should be removed but due to a dispute with another department on how it should be handled they cant remove it. This is been ongoing for XXXX years. They said it 's not high enough priority to get the dispute resolved internally on how it reports. This is damaging my ability to get low rates on credit and costing me money over their petty internal dispute it sounds like to me. Any help is appreciated.
Product: Mortgage

I applied for an XXXX  refi loan designed for veterans struggling to make mortgage payments. I was told by a rocket loan officer I was denied because I was thirty days late for my XX/XX/XXXX AND XX/XX/XXXX PAYMENTS. I submitted a statement to verify the dates my pay meant were received. The XXXX PAYMENT WAS received BY XXXX XX/XX/XXXX, and The XXXX PAYMENT WAS received BY XXXX XX/XX/XXXX. 
Initially, the loan officer, stated I qualified and set the loan up for an appraisal and loan estimate Dated XX/XX/XXXX, and the first payment would be due, in XXXX, XXXX. 
My initial loan officer wasn't available from XX/XX/XXXX, to the present time. My XXXX  was at least XXXX in XXXX. It started dropping because Rocket Mortgage for some reason was holding up the process, so I started applying with other mortgage companies. 
The purpose of the XXXX program is to help a Veteran get back on their feet, I'm now in the desperate position I was before I applied because I was led to believe I had the refi loan. I have never been 30 days late on a payment at any time. 
ROCKET  JUST LOCKED ME OUT OF MY ONLINE ACCOUNT, I CAN'T DOWNLOAD ANY RELEVANT DOCUMENTS
Product: Credit reporting or other personal consumer reports

I sent in the proper paperwork i haven't got a response from XXXX XXXX  the are suppose to update the account with the correct information that i sent to them under Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Product: Credit card or prepaid card

Have had a Citibank Credit Card since 1982 and I was charged high-interest rates. I should be illegible for a refund however, I have not received it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of child support information on my credit report under the Fair Credit Reporting Act ( FCRA ) and Title IV of the Social Security Act. Upon reviewing my credit report, I found inaccurate or outdated information regarding child support that negatively impacts my credit profile. 

Under the FCRA ( 15 U.S.C. 1681 ), credit reporting agencies are legally required to ensure maximum accuracy and fairness in consumer credit reporting. The inclusion of child support information on my report does not meet these standards, as it is not a traditional credit obligation, nor does it pertain to my creditworthiness. Including such information violates my rights under federal law.

Additionally, I am invoking Title IV-D of the Social Security Act, which governs the administration of child support programs. While Title IV-D is designed to ensure child support enforcement, it does not mandate that such obligations be included in a consumer 's credit profile, especially if doing so adversely affects one 's credit standing without a clear basis. 

As a consumer, I am entitled to a fair and accurate reflection of my credit history. 
Therefore, I am requesting the immediate removal of all references to child support obligations from my credit report, in compliance with federal regulations that mandate accuracy, fairness, and respect for consumer privacy. 

Please investigate this matter thoroughly and send me written confirmation of the removal within the legally prescribed 30-day investigation period under the FCRA. 

Thank you for your attention to this matter. I look forward to your timely response and a resolution that ensures my rights as a consumer are protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit information older than 7 year if neg is suppose to be removed.the account i had with m & t bank was removed from XXXX  and XXXX  with in two days the first late pay was XX/XX/XXXX and was supposed to be removed last year. i have filed 4 disputes so far with XXXX  and the company m  & t bank keeps changing the dates to XXXX and to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$1900.00}, {$2900.00}, {$0.00}, {$2000.00}, {$1400.00}, {$690.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

3. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

So on XX/XX/year> and XX/XX/year> i have 2 hard inquiries that are not mine one from capital one and another one i don't even recognize the name of the company and this is not me
Product: Checking or savings account

I had a situation with my regular banks debit card leaving me with only my bank account and my Venmo account. I was using my Venmo account to send a couple of payments to my spouse from my bank account until I got a new debit card in the mail. Suddenly, after two successful transactions my Venmo account was severely limited to who I could make payments to. I can no longer access my money from my bank account through Venmo. I cant make a payment to anyone more than once without XXXX automatic security system flagging my account and no longer allowing me to make a payment to the same person. Ive been told multiple times BY Venmo that the customer service reps have no way to override the security system and theyre given no access to why my payment was flagged. Before this incident, Ive been a Venmo user for several years and have had absolutely no issues in sending or receiving money up until this past month.
Product: Credit card or prepaid card

This is a second filing for cfpb complaint # XXXX which was again denied by AT & T XXXX XXXX I purchased 3 shirts from XXXX XXXX through XXXX XXXX on XXXX. I returned XXXX of these shirts in 2022. XXXX XXXX issued two credits on XXXX ( {$36.00} ) and ( {$30.00} ). These two credits were issued to XXXX. XXXX forwarded the credits to AT & T XXXX. The account number used by XXXX ( ending XXXX ) was one that had been replaced with a new credit card number ( ending XXXX ) due to a breach on the original credit card number. ATT XXXX assured me that the credits sent to the old account number would have transferred to the new number. I have opened 3 separate disputes on these payments with AT & T XXXX and all have been denied because I have not provided them with a 'valid credit slip '. XXXX XXXX gave the credits totaling {$66.00} to XXXX. XXXX then forwarded those credits to ATT XXXX. I provided ATT XXXX with the XXXX account statement showing the credits had been sent to them. XXXX says the problem is with XXXX. XXXX says the problem is with AT & T XXXX. I have attached the XXXX XXXX refund copy from their website, the XXXX transactions for {$30.00} and {$36.00} and the XXXX XX/XX/2022 Statement showing the transfer from XXXX to AT & T XXXX. Someone has the {$36.00} and {$30.00} refunded by XXXX XXXX- and it is NOT me!