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

On XX/XX/XXXX, XXXX XXXX reported to XXXX XXXX and Transition information from XXXX as if it were XXXX, resulting in a Derogatory remark on the credit report. The consumer attempted multiple times to have the problem rectified, only to receive multiple notifications that XXXX XXXX " adequately reported information to the credit bureaus, and the investigation was complete. '' I submitted multiple requests as to why information from XXXX was re-reported on XX/XX/XXXX, and no one at XXXX could indicate why the Derogatory remark was added to the account, but each time I called in, it was indicated that the account was not Derogatory and that it was in good standing and has been in good standing since XX/XX/XXXX. As such, although the account has been in good standing since XX/XX/XXXX, it is currently being reported as Derogatory. The consumer reached out to the credit bureaus, and was told it was a problem with the lender, and the lender indicated it was a problem with the credit bureaus. My credit score dropped almost XXXX points as a result, and I was in the process of purchasing a home and was no longer eligible due to the error on my credit report. My livelihood has been greatly affected, and I am unable to purchase anything as a result.
Product: Credit reporting

The Debt collection agency, XXXX sent out an order for the deletion of a collection account on my credit file to the XXXX credit bureaus ( Equifax and XXXX ) it was listed on. 5 days afterwards XXXX, deleted the item as requested by XXXX. Equifax on the other refused to yield to the request. XXXX issued XXXX AUDs on XXXX different occasions reiterating its decision to remove the derogatory item from my credit file. Equifax still did not yield. The latest credit report I just obtained has the credit file updated with collection item still listed. 
I made numerous phone calls to no avail. I was told to file a dispute by one of the Equifax representative which I did by mail with return receipt, to which Equifax sent an acknowledgement letter of receipt. But the outcome was to keep the item on my credit report against the advice of XXXX the company that put it on there in the first place. 
Attached is the correspondence between myself and XXXX XXXX, a senior compliance analyst at XXXX. 
As clearly stated, they have resolved to have the item removed. XXXX which is governed by the same rule of credit reporting has initiated the deletion, what excuse does Equifax has to blatantly refuse to comply? 

This has been ongoing for 2 months and Equifax has made my life miserable, I 'm unable to qualify for a mortgage that I so desire because of this. I have suffered XXXX also because of this. 

Please, please and please Equifax, delete this item from my credit file
Product: Credit card

Account number ending in : XXXX Important information about your account ... 
Dear XXXX XXXX, As a result of a recent review of the Discover ( R ) card account referenced above, We have closed your credit card account as of the date of this letter XXXX/XXXX/2016 This action was taken for the following reason : " Inactivity on your credit card account ''
Product: Credit reporting or other personal consumer reports

I went to apply for a mortgage. Credit report came back showing that I had been sent to collections for a medical charge. This adversely affected my credit score. I contacted all medical providers which showed only a {$30.00} bill which I paid over the phone. I then contacted the collections company XXXX and they showed that the bill came from XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX ). After several calls to Equifax, XXXX, and XXXX XXXX I was able to discover that the account was for another person with my same first name, AND patient had MY birth date and MY social security number attached to the account. Her address is listed differently than mine. I never received mail or bills from either the hospital or the collections dept regarding this. My only indication of an issue was when I went to apply for a loan. I contacted the Consumer dispute line at Equifax, and a report has been filed, and was instructed to file a report with CFPB. I'm frustrated because this impacted my percentage rate on a loan, and I am worried about what else is going to show up.
Product: Bank account or service

Dear sirs, My name is XXXX XXXX, XXXX. XXXX and I am writing to you on behalf of XXXX XXXX, XXXX. XXXX XXXX has a bank account with KeyBank in XXXX, Ohio, which refuses to release the fund to her. Briefly about the background - XXXX XXXX XXXX had a sister, XXXX XXXX who passed away on XXXX XXXX XXXX and XXXX XXXX was declared the heir of her late sister 's funds on that very same bank account, as they were both joint owners of the account. She first requested the bank to close the account and send her the money in XXXX of XXXX. The bank ignored her requests and continues to do so to this day. It took XXXX XXXX XXXX a year and a half to get Keybank to respond to her numerous phone calls and faxes. After all that time XXXX XXXX XXXX of Keybank responded to her email, saying on XXXX XXXX XXXX that all her documents are in order and that " the account will be close in XXXX3 business days and the check will be mailed to the address on file. '' The check still has not arrived.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I applied for a loan amount to use my affirm physical card at XXXX for XXXX. I was approved. I went into the affirm app while shopping at the store and reduced the loan request purchase amount as I realized I would not need that amount for the purchase. The app allowed me to request a smaller purchase amount. I used the payment card at the register and it was declined. I tried it a second time and it was approved for the purchase price but only went through for XXXX and I was required to pay a balance of around XXXX. After the purchase, I saw that the original requested amount was also processed. I contacted Affirm on the following days for help : XX/XX/XXXX, XX/XX/XXXX and was told the loan amount would drop off of my account balance in XXXX to XXXX business days. On XX/XX/XXXX, I check again with Affirm at their customer service phone number and am now told that it is now in another department and the representative stated she could not answer my questions. Since then, Ive contacted Affirm at : XXXXXXXXXXXX XXXX XXXXXXXX  on XXXX, XX/XX/XXXX and XX/XX/XXXX and have never received an email or call to find out the status.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX ; XXXX GA XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$8700.00} ; XXXX XXXXXXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX  {$370.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$130.00} I want late payments removed for XXXX
Product: Mortgage

Shellpoint Mortgage dba NewRez is refusing to release loss draft monies that were paid by insurance company for home repairs from insurance claim. They paid out the first installment and repairs were made. I provided all documents requested and the home passed inspection by the mortgage companies inspector. I was told that since the home is over XXXX XXXX complete with repairs being done that the remainder of the insurance monies would be released within 15 days. On the 15th day I received an email stating that the funds would not be sent and now they are requesting more documents that I can not obtain. They are stating that they need a waiver of lien from a contractor that I did NOT use to do any work on my home. I provided them with the waiver of lien from the actual contractor that DID the work and they will not accept that. Instead they are giving me the run around and asking for things I can not get. They are asking me for quotes on work that has already been completed and passed their inspection. Why? The work is done what does it matter now? I chose not to use the contractor that the insurance company picked out of a phone book for me because they were cheaper. They didn't like the numbers on the 5 quotes I gave them so now this is an issue? The insurance company is who sent the quote/estimate to my mortgage company. I was left out of that process. This is who they chose not me! When I asked for a copy of the estimate from insurance company they wouldn't send it to me. I didn't see the quote until I got the check to send to the mortgage company. Insurance told me that I could pick whomever I wanted though to do the actual repairs and that they didn't care one way or the other. So I went with my own local reputable contractor who did a wonderful job. I can not complete the remaining home repairs needed until the rest of the funds are dispersed to me. They will not respond to my emails or phone calls nor answer my questions as to why they are asking for items I can't get. I have asked for the manager or person in charge they have not provided. Every time I contact them by phone a customer service agent tells me that it will be another 15 days to process. In 15 days I call and it's another 15 days to process. It has been since XX/XX/year> when the storm came through and blew a tree down through my roof and caused other damage. I am still trying to get it XXXX XXXX fixed and completed. I just got the roof done so I could live in it. This is the mortgage companies house until I pay it off and you would think that they would want it fixed and worth what I owe on it??? I don't know if you can help me but I appreciate your time. I have all correspondence I can provide to you except for the direct phone calls that were made to customer service. I believe those have been recorded by mortgage company or so they tell you. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following XXXX Accounts has violated my rights. 

account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. I have the rights to privacy.

15 U.S.C 1681 Section 604A. Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions i
Product: Debt collection

( RESERGENT RECEIVABLES ) IS REPORTING AN ACCOUNT ON MY CONSUMER REPORT THAT IS UNVERIFIED AND INACCURATE. THIS IS A VIOLATION OF THE FCRA AND FDCPA. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. IF THIS ACCOUNT IS NOT DELETED WHITIN 7 DAYS I WILL BE SEEKING REMEDY UP TO {$1000.00} PER VIOLATION UNDER THE FCRA AND FDCPA FOR EVERY VIOLATION AND EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY AND PUNITIVE DAMAGES AS WELL. I WILL BE TAKING LEGAL ACTION AGAINST ( RESURGENT RECEIVABLES ) BECAUSE YOUR COMPANY IS THE ONE REPORTING THE ACCOUNT ON MY CONSUMER REPORT. EVEN IF YOU ARE HIRED OR CONTRACTED BY ANOTHER COMPANY, I WILL BE SEEKING AND TAKING ACTION AGAINST YOUR COMPANY. YOU HAVE 7 DAYS. THANK YOU.
Product: Checking or savings account

On the XXXX of XX/XX/year> my sister in law XXXX XXXX endorsed her tax refund check to me for deposit and a withdrawal because her bill folder was stolen with her identity included and needed to cash her check due to Beryl Hurricane disaster and the bank held the check until the XXXX of XX/XX/year>. The amount is for {$1100.00} and the {$67.00} in overdraft fee was taken out once the check cleared. But then the bank restricted my account and stated after the check cleared the third party couldnt be verified by the phone number provided, which is my sister in laws ESTATE phone number under a different name from the check, which she did a name change with the court previously, under XXXX XXXX XXXX. She never changed her name on her phone because its a prepaid phone. The bank also sent a letter stating the account has been restricted for no reason but with prejudice on XXXX of XXXX. We tried to withdraw the funds on the XXXX but my card was locked after repeating a third attempt at the ATM to withdraw the funds. I receive the phone verification and accepted it but the card locked on me. We went to the bank on the XXXX for verification purposes of the third party but no success and this matter has caused my family emotional distress with prejudice and bullying of my own account. 

I even requested a hard close at the bank and was denied that also, with prejudice. I contacted the customer support team over 5 times to settle the matter but was dishonored and they threaten to close my account, that was not in an overdraft for 45 days as the banker at the branch informed us at the XXXX XXXX at XXXX location. My wife and I gave the team both of her phone numbers to call her, but they refused also to honor that. They also never returned her check as requested at the bank within a timely manner per banking federal regulations. I want the account hard closed immediately and return her tax refund within XXXX business days, without prejudice and her Tax Advacate with the IRS will be informed about this matter as well for withholding taxable funds as an ESTATE and living Trust consumer. 

Note : My wife XXXXXXXX XXXX XXXX and those funds is apart of her payment for work and our bills for this month, which has caused a delay in payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

Experian violated my rights to this information by saying they do not have to do so. I have attached the letter I sent as well as Experian response and the certified letter with tracking showing they received the letter
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped by 97 full points in seven days due to 1 negative reporting of a late credit card payment. This is an OUTRAGE! I worked very hard to repair my credit and had a score of XXXX on XX/XX/XXXX. XXXX XXXX reported a late payment ( 30 days late ), on XX/XX/XXXX. This was the only change on my report in this time frame. I checked my score XX/XX/XXXX and it was XXXX. I honestly believe this is some form of racial profiling. I've heard horror stories like this from some of my XXXX XXXX  friends. Never from anyone else that I've spoken to. I am XXXX XXXX. I am very upset as my credit score needed to be above a certain amount to qualify for loan. Please help me correct this error. I say error because no one at Transunion has been able to give me a quantifiable excuse for this incredible drop. Thank You
Product: Credit reporting or other personal consumer reports

I was a victim of my credit information being exposed in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received an email to advise about the breach in my credit/personal information being exposed.

Also, I received a total Public Service Loan Forgiveness for XXXX student loans because I have been a public servant ( XXXX  ) in a low-income, Title I School in GA for over 10 years. All loans were forgiven and I have a {$0.00} balance. The forgiveness became effective XX/XX/year>, yet I still have outstanding balances on my credit report too. I think XXXX is the only reporting bureau showing an outstanding balance. Please advise what steps you can take regarding my information being exposed as well as incorrect balance regarding old XXXX loans that have been paid in full, and should reflect a XXXX balance, Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report from XXXX states that I have an outstanding debt of {$830.00} with Affirm which is listed as a personal loan. On XX/XX/2022, Affirm sold my loan to XXXX XXXX, XXXX whoacquired the loan, with an unpaid balance. ( Attaching confirmation of account sold to XXXX XXXX from Affirm ). This was a charged off account that was sold but is still reporting a balance from Affirm ( original creditor ) of {$830.00}. I have attempted to reach out to Affirm and XXXX many times to update the balance of the loan to {$0.00} as the account was sold off and should be reporting a balance of {$0.00}. I have disputed it with XXXX many times as well as Affirm. On my XX/XX/XXXX XXXX report, XXXX actually did fix this issue and took out the balance ( attaching Affirm account information on XXXX ), but maybe due to having multiple disputes open someone else put the balance back on my XXXX report ( attaching Affirm account information on XXXX ). This started showing as a new delinquent account on my XXXX report because it was re entered which dropped my score more than before when it was previously reported. I am not able to get the balance removed. I have also settled this debt with XXXX XXXX XXXX ( attaching confirmation of debt settlement ).
Product: Credit reporting, credit repair services, or other personal consumer reports

i checked my credit report and noticed that XXXX  XXXX was reported as closed. My account is still open and in good standing. Why is it reporting closed? I have tried to submit a dispute with XXXX Equifax and XXXX to get the account status updated to Open.
Product: Credit reporting or other personal consumer reports

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account : XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX  is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act. As the letter I wrote to THE company clearly states that I opt-out of all authorization I might have given you written unwritten verbal or nonverbal. According to the Privacy Act of 1974 my WRITTEN CONSENT IS REQUIRED for you to report anything to a 3rd party vendor. According to 15 USC 6802 obligations with respect to disclosures of information section B Opt-out I was not given an opt-out notice or an explanation of how I can exercise my right to my nondisclosure option. According to 15 USC 1681a IT IS ILLEGAL TO REPORT TRANSACTION HISTIORY. YOU ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Checking or savings account

Someone signed up for a Moneylion plus membership account at Moneylion and charged my account XXXX on XX/XX/XXXX of 2021. I'm worried that they will take out a loan in my name.
Product: Credit reporting or other personal consumer reports

I have tried multiple times to contact the student loan servicer for accurate account information and have had no response other than to pay my loan balance. The balance is incorrect. My credit report is showing 4 accounts associated with that servicer. I have only taken out 2 accounts for my actual student loans. This is impacting my credit in a negative manner and has caused a hardship buying a home. Over {$6000.00} has been added without notice or consent or justification. I am aware of the lawsuit filed against XXXX for their incompetence handling student loan money and servicing. It is impossible to speak with someone or get a resolution through the company itself.
Product: Credit card or prepaid card

Applied for personal XXXX XXXX  credit card issued by Barclaycard. The representative stated that I was denied due to too many cards opened with the past 24 months. I asked him if the same policy rules apply for the business card. He stated that the policies were different since the business card is a different product. I then applied for the business card and was denied for the same reason as the personal card ( too many credits cards opened within 24 months ). I called again and spoke to a manager ( XXXX ID XXXX  ) who stated the the personal and business cards had the same policy which was in conflict with the first representative. If I would have known that information, I woud not have applied for the business cards as my credit score was effected in a negative manner with two hard pulls.
Product: Debt collection

I, XXXX XXXX principal holder, have wrote a letter to XXXX XXXX XXXX letting them know it's my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. I do not have any contract with them. I asked them to prove to me that this is a true debt. They have not responded. or removed this of my credit report. I am willing to go into arbitration if they don't remove this off and but make account in Good standings. 
F.D.C.P.A. at 15 USC 1692 e.g.

Title 18 section 8 ( All debt is the obligation of the UNITED STATES Cestui que vie act of 1666 trust account pursuant 15 usc 83 banks can not loan money 1933 emergency banking act
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has returned both payments made on the account then the Customers Service Representative advised that I did. It owe any more at the current time and that my account was up to date then a month later proceeded to state that my payment was late and now they are declining to remove it from my credit report and is not telling me the outcome of the decision
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have or have ever had a contract with this company. I have never signed or asked for services from this company. I dispute existence of any contract what so ever.