23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX I received a letter from XXXX XXXX with XXXX XXXX stating they were the current creditor for a debt that was not owed by myself. I sent out a letter requesting verification and proof of the debt immediately and received no response from the company. My letter was sent certified and I have proof it was delivered. XX/XX/XXXX I received a voicemail stating it was about a judgement being put against me. I called back and they stated they were taking me to court and going to add the judgement to my credit report. The person on the phone said they have a photo ID tied to this, not sure how that is even possible, and read my FULL social security number to me over the phone. I told them they could send whatever paperwork they need to me as I will be disputing it as I had when I initially received the paperwork and did not get a response.
Product: Credit reporting or other personal consumer reports

A company named Geninus about a XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HOW ARE YOU? How r u during this pandemic? Listen, I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report  any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a piece of public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Product: Credit card or prepaid card

For nine months I have tried to resolve a payment issue with HSBC ( XXXX ) bank credit card. Of nine payments that have cleared my bank, only two have posted the credit card statement. Whenever I call customer service, they never see the depositing their accounts. Twice I  sent copies of my bank statement only to never get official confirmation as to how they would handle the issue. In the month of XXXX, 2019 HSBC ( XXXX ) closed my account. 

Regardless, my credit report has suffered, having declined more than 120 points in the last 10 months. This has caused me to 1 ) loose over {$15000.00} of credit line on various credit card accounts, 2 ) I can not obtain new credit lines, leave alone financing for my business. These are true hardships that have adverse impacts on my livelihood.
Product: Credit reporting or other personal consumer reports

On about XX/XX/year> I disputed to all credit reporting agencies, of the incorrect information about money owed, on my personal loan and my two credit cards. As soon as I did that my prefect scores of XXXX, XXXX, XXXX, vanished, from my credit report. My Fico scores went from XXXX to were it was Unscorable, and into the XXXX, like starting me, from the beginning as a newbie. Ive had my two credit cards, for close to twenty years, with the same company, not twelve years like the agencies claims.Plus they have me as having three credit cards, not correct. I only have two. And One loan that Ive paid faithfully for over two years, they had the wrong amount owed on that too. I need this matter rectified and resolved immediately. Ive sent the three reporting agencies a letter of correction and theyve done nothing. Im concerned, as to why arent these agencies not correcting their errors. And I thought that those credit agencies were full proof.
Product: Checking or savings account

On or around XX/XX/year>, a friend transferred {$1000.00} into my Alliant account. I had recently had to pay {$5000.00} in XXXX bills for my dog and did not have money to cover my bills or live on. I immediately planned to send {$500.00} to my main bank account, which was overdrawn, and then use the remainder to pay any late bills and buy things like food. Thus, on XXXX XXXX, I tried to initiate a transfer from Alliant to my main bank account for {$500.00}. Unfortunately, I was only allowed to transfer {$250.00} a day. So, I planned two transfers of {$250.00} each to my primary account on consecutive days. 

A few days later, I learned from my primary bank that the second transfer of {$250.00} had never gone through. Thus, I checked my Alliant account and found XXXX of dollars in fraudulent billing from XXXX. I filed a dispute for the dozens of charges with XXXX, first, who summarily denied all claims without a day without any explanation. 

Thus, I then reported the fraud to my bank. I went over each and every charge with the Alliant customer service person and was promised that the card on which the charges would appear would be closed, and a new card was issued. I was also promised that the bank would immediately begin its investigation. I asked when I could expect any provisional credit. I have had this account for over five years and have never had a problem. I waited two weeks and never received a new card or provisional credit. I called the bank again at the end of XX/XX/year> and discovered that the account card HADN'T been closed, a new card was never re-issued, and none of my disputes had been reported. Thus, I had to report every claim AGAIN to a representative. The card eventually arrived, but as of the date of this complaint, XX/XX/year>, I have not received a dime in provisional credit, and my account doesn't even show any of these charges in dispute. They are not going to help me, and I need this money. I collect Social Security benefits and have no money to live on until my benefits come at the beginning of XX/XX/year>.
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 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 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 XXXXXXXX ) 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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: Checking or savings account

Social security has deposited my benefits into my bank account from XXXX unto XXXX. I have called many times and made countless trips to sit front of someone talking to them about my account. I was told XXXX payment went to U. S Bank and the other XXXX XXXX XXXXXXXX by direct deposit. I havent received any of my payments for the past two months social security claims once they send it to a place or establishment. They will not send another payment out again even after they find your statements or claim to be true. I give my permission for a full investigation of my social security benefits stolen by the bank. Both banks I would like them investigated which is US Bank and XXXX XXXX XXXXXXXX for my funds missing for the month of XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing as a late payment. These payments were deferred at the time and should have never shown as late in the history in XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

REPEATED calls at all times of the day, multiple times a day. This company has been told REPEATEDLY that the person they are asking for IS NOT HERE. They have also been told REPEATEDLY that this is a business, and that I am tired of their repeated phone calls. I am tired of their phone calls and I am tired of being ignored when I ask them to stop. They are some kind of XXXX XXXX collection agency and they ignore everything I tell them. Next phone call I receive from these lowlifes, I am blowing my referee whistle into the phone.
Product: Debt collection

On XX/XX/year> I got a letter from XXXX XXXX XXXX XXXX that I was being sued by a company called Security Credit Services, collection company. They just sued me without even notifying about getting into an arrangement, nothing. That was crazy, they couldn't do that. I had to hire a lawyer and spend XXXX to get this fix and Im still working on it. They dont give me options, I have rights, but they are not considering that. Many people have complaints against that company for the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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 account without my written instructions.
Product: Credit reporting

all I am trying to find out now ( so I can decide what steps to take next ), is this,, In XXXX XXXX 2015. I paid off a Debt. IN FULL to XXXX XXXX, yet here on XXXX XXXX 2015 acct # XXXX is still showing as a debt we owe of {$4400.00} I have called them and they are saying they submitted the paid status to Experian, Experian says they did not, or are not reflecting the change in their records. My question is,, what do I do now,, I need to apply for a business loan and these agencies are ruining my chances of doing so as this debt RECOGNIZED as being paid will surely increase our FICO scores. please advise. XXXX XXXX
Product: Debt collection

I have settle the amount with the lawyer representing t he Portfolio Recovery Associates. I had paid a certified check and it was  cashed on the  XXXX  of  XXXX  for the agreed amoun t. Portfolio Recovery Associates also  reported the balance was still owed and that 's incorrect. Case  XXXX   XXXX  in the  XXXX  Ohio Court. This was a  XXXX   XXXX  original  XXXX ,  XXXX
Product: Credit reporting 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  Account XXXX Account Name : XXXX  XXXX  Account NumberXXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 reporting or other personal consumer reports

I notice the following charge offs from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX & XXXX reporting on my credit reports. A charge off is considered a certificate of indebtedness. According to the Internal Revenue Services, if a debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. If taxable, i must report the canceled debt on my tax return for the year in which the cancellation occurred, which is considered income. Income can not be reported on my credit report so these charge offs must be removed.
Product: Checking or savings account

In XX/XX/2018, I tried to open a checking account for my business transactions for my business over in XXXX. I already had a personal account and business account with First Citizens Bank and wanted to keep my overseas operations separate from my US XXXX activity. The bank refuse to open my account and told me that I was involved in a love scam, which was not the case. The bank made this allegation up on their own. Because of the negligence of the bank and using false allegations against me, they cause me personal harm to my character, monetary lost to my XXXX  business, and closed an account that I have with he bank for over 30 years. 

They said that I was in a love scam when I wanted only to open an account to pay my attorney for the transfer the ownership to my name and to give authority to my managers of my XXXX   plantation. 

I also felt that I ws treated differently because of my XXXX XXXX   Heritage because of the manner that I was treated. I AM A XXXX XXXX   XXXX COMBAT VETERAN AND A LONG TIME BUSINESS OWNER AND PRIOR ELECETD OFFICIAL in XXXX County XXXX. and respected by many people in this county. XXXX discrimination should not be tolerated in any form and covered up bu using old and irrelevant policies that are outdated. 

This is First Citizens Bank and Trust Headquartered in XXXX North Carolina. I have additional information if you require it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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

Suntrust Bank is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint
Product: Student loan

On XXXX XXXX 2011, I decided to attend XXXX XXXX in XXXX MI to attain a XXXX. Upon entering this campus to sign paperwork for submission, I was surprised to see that there was a loan officer with the XXXX representative. As we hurriedly did the XXXX paperwork, the loan officer was taking my information as well. I was real uncomfortable with taking out a private loan that I felt I was rushed into. But I went with it since I wanted the education. She ran my credit I was pre-approved for {$8500.00} at 6.8 %. I was told that I 'd have {$20.00} in school payment amount and {$100.00} when I graduated. My husband would be the sole provider of income for our XXXX yr old son and unborn daughter during the 11 month long program. Little did I know that {$20.00} would be hard to come by. I will never forget the day I was in class listening to lecture and the next thing I know the door opens and someone calls my name. So I get up to meet the woman in the hallway. She said, " You are behind in your payments and you have to make a payment now or you ca n't go back to class. '' So I made my payment and she let me go but since the door locks when closed I could n't get back in until there was a break. It was over an hour. That never happened to me again but it happened to other students constantly. The teacher even said XXXX day when it happened to another student, " You got ta take care of your business or you ca n't come back. '' Little did I know about the loan I was coerced into taking was n't what I thought it was. It was XXXX loans, Note XXXX principal XXXX XXXX principal XXXX with a grand total balance of {$16000.00} at 14.9 %. My monthly payments are {$350.00}. It is very difficult to pay this now and provide for a family. I have paid {$3400.00} in interest and I still owe {$9200.00} in total balance. I understand that {$20.00} a month sky rocketed my interest but I could n't work while in school and I feel that this Genesis Lending took advantage of this. They bate you with the 6.8 % interest and when you actually see your real rate there is nothing you can do unless you want to put off school for another year. I 've tried to lower my rate but they do nothing to help you. I just feel buried in this debt and causes a real burden on my family.
Product: Vehicle loan or lease

I purchased a vehicle that was per-ordered approximately 9 months ago from XXXX XXXX. When you pre-order you select the model you want and you agree on a price. Everything is streamed-line and done electronically and saved in your account. I signed and took delivery of car on signed for the agreed priced. Somewhere after the delivery on XXXX XXXX 2022. I noticed the issue upon setting up payment and the before the first month of the initial payment that the price of the vehicle changed after signing. 

The Bank : is US Bank. 

The car company is XXXX. 

In my investigation I found out that the price of the vehicle was increased on all vehicle across the board for all customer after I made my order and agreed upon the price, which was disclosed to me that would not affect me. I sign for the locked in price also whick was {$59000.00}. I brought this issue up with US bank then to XXXX, XXXX employees acknowledge the issue as there walk-in facility, but the issue has not been resolved. I went back to the bank and the bank refuses to correct the issue and continue to charge the higher price which is {$67000.00}.
Product: Mortgage

I did a VA construction loan. The mortgage company allowed the contractor to overdraw the loan. The bank allowed the contractor to exceed the contract time line to complete the home without my permission. The Bank sent me all draw request the last XXXX the contractor did not complete the work and I did not sign the mortgage company still dispersed funds. The contractor abandoned the job. The mortgage company allowed for my to apply for the refinance to complete the home with a new contractor. The mortgage company agreed to finance the completion of the home. When the home was completed they refused to pay the contractor the agreed amount and said they would only agree to a 90 day loan. I was force to return to the original loan and pay the contractor the remaining funds which depleted my saving and maxed out my credit cards. Then the mortgage company stated that the i would need an additional XXXX for taxes even though the taxes were escrowed at closing.
Product: Mortgage

On  XXXX  I filed a claim with the insurance company  (   XXXX   XXXX   XXXX   XXXX  ) which handled the insurance for  Select Portfolio Services Inc  .  the funds for the damages where sent to  SPS Inc.and  my name., seance  XXXX    XXXX  , I have tried to SPS realize the funds to fix the dueling but as today is been a run a round., I have spoken to the loss draft department with  XXXX   XXXX  to this number  XXXX  she has requested contracts, inspections etc. all has been done but she does not realize the funds to fix the house.,  Claim  #  XXXX   Loan  #  XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$620.00} XXXX  XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX  XXXX XX/XX/XXXX {$6200.00} XXXX  # XXXX XX/XX/XXXX -- {$3300.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$470.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Kickoff providing information about Consumer Transactions which violates 15 USC. ( 1681 ) section 602 Right to Privacy 1681 section 604 can not furnish an account information without a written consent these are violation under the United States Code Cornell law edition
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX is reporting incorrect information listed on the account XXXX  it has several inconsistencies which means this account has not been properly validated or verified. An account can not report XXXX different ways. 

Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX -- Account Rating : Closed Paid Paid Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There are also several late payments that are reporting which is not correct this account was never late. These late payments should be immediately updated to paid as agreed. Each bureaus keeps redoing that it is verified but provides no evidence that they conducted a reasonable investigation because if they did the information would be provided to determine this.