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

I'm in the process of reviewing my consumer report and noticed many inaccuracies regarding Account # XXXX including but not limited to, Account Status, Date Opened, Last Reported, Date Last Active, Date of Last Payment, as well as Payment History. 
15 U.S. Code 1681e Compliance procedure states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Please investigate and provide proof the the consumer reporting agency was in compliance with this matter. Please delete from my report, from this agency, for violating compliance procedures. Thank you for handling this matter.
Product: Debt collection

I underwent hard financial times and was constantly harassed by this company, after I repeatedly told them I felt like I was being harassed I was still being contacted. I've had to stop block over 10 numbers to stop the harassment. I can not give specific dates because it felt like it was occurring every day.
Product: Credit reporting or other personal consumer reports

Greetings, tried to find out why my credit score drop more than XXXX XXXX  I have no late reports no collection and my utilization is excellent and my payment is excellent. The credit bureau. Cant give me a reason at all this is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I believe our mortgage company, XXXX XXXX XXXX, violated a federal law. They are selling our mortgage, which I realize they have every right to do. However, the tranfer date is XX/XX/2019, and the date I received the notice was after XX/XX/2019 ( I did not collect my mail for a couple of days, but informed delivery from USPS shows it as arriving after this date, likely on XX/XX/XXXX ). Since mail from the company generally takes only a couple of days to receive, I know the letter was not mailed until some time after the date of XX/XX/2019 shown on the letter. Either they just put a random date on the letter, or it sat in their outgoing mailroom for a lengthy period of time. Two days notice of the sale is nowhere near the fifteen required days, and I do not believe a good faith effort was made to notify us in a timely manner. A check which should have gone to the new company was mailed before we even received the notice ( I know we're covered by a 60 day grace period, but I can envision a headache over it ).
Product: Credit reporting or other personal consumer reports

I am unaware of the debt with XXXX XXXX XXXX XXXX XXXX XXXX they have not provided validation of information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report for account # XXXX. If in fact you feel I have received proper notification, please provide a copy of the certified mail receipt with my signature. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) this collection agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. XXXX XXXX XXXX XXXX XXXX XXXX has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I am disputing owing any and all debts. I am also revoking all rights of communicating with me through email, text, or calls. I am requesting debt validation, a purchase agreement between myself and the original creditor, and to furnish proof that you are licensed and bonded. XXXX XXXX Without XXXX XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have noticed that there are accounts listed on my credit report that I have no connection to and do not recognize. This is both unfair and deeply concerning, as it could potentially harm my creditworthiness. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to a credit report that accurately reflects my financial history. These inaccuracies need to be addressed immediately. I demand a thorough investigation and expect these errors to be corrected without delay. Failure to resolve this matter will force me to explore legal options to safeguard my rights.
Product: Student loan

In XX/XX/XXXX, I decided to return to school after having my first child in XX/XX/XXXX. I finished the program with a XXXX GPA and was ready to get to work. The whole premise of the XXXX XXXX was that they promised employment upon completing the program. After graduating in XX/XX/XXXX it took over and a year and a half to find employment. This caused a negative stress on my finances and shortly after I found out I wasn't alone. In the summer of XX/XX/XXXX The XXXX XXXX was investigated for fraudulent behavior and was forced to file chapter XXXX bankruptcy because of exact cases like mine. It has been a 6 years since this has taken place and at this point I'm trying to do the best to move on. 

The accounts are have recently closed but still negatively impacting my credit score. I'd like to request that the following closed accounts be removed : US Dept of Education- opened XX/XX/XXXX - closed XX/XX/XXXX Dept of Ed/ Nelnet- opened XX/XX/XXXX- closed XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that I had a late payment on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability With maximum accuracy I have never been late on a payment for the account ( XXXX XXXX XXXX ) XXXX Please investigate and provide proof with statement Showing that this payments were late if proof cant be provided I demand these payments be updated to on time as they should be as I was never late thanks,
Product: Mortgage

We intended to purchase a 4 bedroom house in XXXX NY. We viewed the house, asked several questions and made a good faith deposit of {$140000.00} on the house on XX/XX/year>. 
During this time, I was under the care of my doctor and in XX/XX/year>, was advised by my medical team that the stress of working was exacerbating medical condition. Taking stock of priorities and my doctor 's advice, I filed for retirement. On XX/XX/year> I received a call from XXXX XXXX, the Mortgage Lender. He was very upset because his investigations of our finances revealed that I was retired. I admitted that it was true and explained why I retired so suddenly and unexpectedly. I forwarded to XXXX the documentation to confirm that I had indeed retired. I expected that the Mortgage Lender would just deny the pending FHA loan after receiving confirmation of my retirement. To my disbelief he he said he'd convert the FHA pending Loan to a Conventional Loan and that the property would be used as an investment property. Despite the drastic loss of income XXXX wanted to push the loan through. He even lied and said that the FHA Loan had already been approved a month ago. We both knew that was not true because I had not never received the " Clear to Close ''. When this strategy didn't work he said that he'd already received verification of my employment and that the loan application would proceed. XXXX 's response was confusing, so my husband and I sought out a legal consultation from several attorneys. We discovered that the contract that we signed stipulated that the deal would be made within 60 days or be in default and additionally, that a sudden loss of income would result in a " Denial Letter '' which would cancel the contract without forfeiting my sizable deposit. We formally requested the Denial Letter from XXXX XXXX several times but he has refused. In fact he said that if he issued the " Denial Letter '' we'd lose our earnest deposit. We explained that moving on with the purchase of this home would spell financial disaster for our family of 6 but the mortgage lender refuses. He sent me a text about a week ago stating that he would be willing to withdraw my application but I needed to consent to this. My husband and I believe that the mortgage lender is using intimidating tactics and lies to push this loan through despite the loss of my income.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1400.00}
Product: Debt collection

Back in 2020 around XXXX I had my identity stolen which resulted in numerous attempts at XXXX loans through lending tree. One of the companies that accepted the fraudulent loans was speedy cash for XXXX dollars. Once I had found out about the charges I had made a report with the Federal Trade Commission regarding the Fraudulent charges and had hoped they would've been dealt with. 3 years later I see I got a ding on my credit score and apparently the XXXX loan was sold off to a XXXX party collection agency. I am unable to access the FTC report because my account has since been deleted and attempts to get it from the local police department have not been successful.
Product: Debt collection

I am writing to formally dispute and request validation for one or more collection accounts appearing on my credit report. I believe these accounts may be inaccurate, and I am requesting that the debt collectors provide proper documentation to verify the validity of these debts. Under the Fair Debt Collection Practices Act ( FDCPA ), I request the following : 1. Full validation of the alleged debt, including an itemized breakdown of the amount owed and any fees or charges applied. 2. Proof that the collection agency has the legal authority to collect this debt, including documentation of assignment or transfer. 3. The name, address, and contact information of the original creditor. Thank you for your attention to this matter. I look forward to a prompt and thorough resolution.
Product: Student loan

I 've called every day for the last 4 days, and spoke with representatives and supervisors ( at least that 's how they identified themselves ) and I 've been told different and sometimes conflicting information each time. Each day the people I 've spoken with give me false information and interest accrues. That is not fair or legal. I 'm trying to settle my account. 

They say the settlement is being sent to their processing department, but when I call the next day to make sure it 's in process they say it was rejected for some different reason, even issues like an invalid email address which is a lie, we have communicated via email! 

They 're giving me the run around and each day charging me more and more money. I just want to pay them but they wo n't provide documentation of the settlement and keep charging me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, EQUIFAX used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. EQUIFAX reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Debt collection

Debt collector is hassar ring me and have not answered the following information I have provided, according to the law. Please have Jefferson Capital System either provide physically proof or stop hassar ring me and I'm seeking remedy.
Product: Credit reporting or other personal consumer reports

The company is XXXX Credit Karma and I've always felt that my credit score wasn't correct on their site. I got my credit score from one of my credit card companies and my score is XXXX from XXXX. On XXXX Credit Karma, my score is XXXX and they just subtracted from my score because I spent {$70.00} on my XXXX XXXX 's card. I've always felt they were unreporting my score and I'm always getting new credit card offers and loan offers telling me that I have a 90 % or better approval rating. I fell for that once and I got zinged on my credit score thanks to XXXX  Credit Karma. I chatted with someone and I was told that I couldn't speak to anyone on the phone. The gentleman said that all they do are chats, no phone call was possible. They handled tax refunds for me and I don't remember it being like that but they were XXXX Credit Karma at the time. They were just Credit Karma. And I wasn't getting zinged on my credit score then like I am now. If I charge anything over {$100.00}, they would drop my credit score and now, it's {$70.00} and they dropped my credit score XXXX XXXX on XXXX and XXXXXXXX XXXX  on XXXX. I'm more than sure now that it's XXXX Credit Karma playing games with my credit score. I've gotten my credit cards paid down and I'm continually getting them paid down but it does reflect on XXXX Credit Karma site. On XXXX, my XXXX XXXX is XXXX and it has been higher than on XXXX Credit Karma for some time now. I think that it is called manipulation and that is what I've been experiencing from XXXX Credit Karma. For the last XXXX months my XXXX XXXX has been consistently lower on their site, I haven't been able to get above XXXX because I get zinged every chance that they can show that my score is lower. So, I know now that it isn't the Credit Reporting Agencies that are doing it but XXXX Credit Karma is scamming me.
Product: Credit reporting or other personal consumer reports

Bankruptcy is unverified by the US Bankruptcy Court and court trustee of the XXXX XXXX XXXX XXXX Bankruptcy court, as it is known that the court and court trustee are not credit furnishers to credit reporting agencies. Information is assumed and not verified by a complete social security number that the US Bankruptcy Courts omitted from public record as a result of Federal Regulations that the Federal Government has put into effect to protect consumer rights against invasion of privacy.
Product: Credit card or prepaid card

I have spoken to Lowes XXXX Credit Card about updating my telephone number several times and they refused citing they need to verify my identity thru the mail. I called several times and my telephone was updated on my account however I can not access the website to change my autopay because the old telephone number is still coming although credit services has my new number. I called again today for the XXXX time and a representative advised she has deleted my account profile and for me to go back in and register my credit card again so I can make updates to my account. Unfortunately, it did not work the site is advising I am already registered. So frustrating no one can help me. I would like to update my monthly autopay and can not Lowes XXXX credit card is holding me hostage and provides the wrong information. I am paying on the credit monthly.
Product: Credit card or prepaid card

There was a credit card from XXXX XXXX XXXX opened on XX/XX/2018 under my name from an address I moved out over ten years ago. This card was opened under my name from a very old address and I never open an account with XXXX XXXX XXXX   before. On top of that, whoever is using the account is left the account in bad standing and it's hurting my credit score. Trying to remove the account multiple times, but never heard back from the bank nor the credit bureau.
Product: Credit card

Dear CFPB, I am writing because I was unknowingly signed up for an Old Navy credit card through Barclays, disguised as a rewards program. This involved both a misleading offer and a confusing follow-up process with Barclay 's customer service team. 

On Friday, XX/XX/year>, in the afternoon, I purchased at an Old Navy store clothes with my family. During the transaction, the cashier informed us that we could sign up for a reward program and receive a discount on our purchase. Given the offer, we agreed to participate. I was instructed to fill out the required forms on the XXXX XXXX XXXX and after doing so, the cashier informed me that I had been approved for the program and that I could use the discount on my purchase. I completed the transaction under the assumption that everything was in order. 

However, a few days later, ( XXXX XXXX XXXXXXXX ) I received mail from Barclay 's informing me that I owed money for the purchase I made. Confused, I attempted to log into my account to resolve the issue and pay the amount due, but the website/portal rejected my access attempts and instructed me to call customer service. 

When I contacted customer service, I was informed that this situation happens all the time. I was told that customers often sign up for a credit card at the point of sale, get approved, and then have their accounts locked without being made aware of the issue. In my case, I was told that my account was locked and could not be used until I provided additional personal information via mail or fax ( such as my SSN ). This was never communicated to me during the sign-up process at Old Navy, nor was I made aware that I was signing up for a credit card, not just a reward program, which accumulates fees without access to pay it off. 

In an attempt to resolve the matter quickly, I asked if I could simply pay off the amount due and close the account, and I was told I would need to mail in a check to settle the balance to Barclay 's. This entire process has been both confusing and frustrating, and I feel misled by the way the reward program was presented and the lack of transparency about what I was actually signing up for. This shouldn't " happen all the time '', as I was told on the phone by Barclay 's themselves. 

I believe this process was poorly managed and unprofessional, as it led to unnecessary complications, wasted time and money. I was under the impression that I was signing up for a reward program to receive a discount, but I was instead unknowingly enrolled in a credit card program with an unusable account. 

I would appreciate a thorough investigation into this matter. I would also like to request a resolution to my current issue, including guidance on how to properly close the account and settle any outstanding balance. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I made a payment on the account XX/XX/22. Barclays put a 8 day hold on the payment and refuse to remove it. It was applied without notice. They are tying up {$800.00} of my money I can not use.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau has failed to respond in a timely manner to my dispute letter. I have sent letters 3 times. No result. 

1. The wrong amount is being reported XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Product: Mortgage

Due to hospitalizations and lay-off from work my husband and I were not able to pay our mortgage to XXXX XXXX. XXXX XXXX offered a forbeancence option with 3 payments of {$500.00} each for XXXX, XXXX and XX/XX/XXXX. The mortgage was transferred to Specialized Loan Servicing LLC ( SLS ) at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Colorado XXXX. We completed the Loan Modification application and the bank certified checks were sent by overnight mail and received by the first of each month for XXXX, XXXX and XX/XX/XXXX. We have tracking numbers proving the overnight packages arrived on time. I spoke with SLS on XX/XX/XXXX ( XXXX ) and asked if they received the XXXX payment. I knew they had because the USPS tracking number XXXX confirmed receipt. XXXX said she would notify my point of contact ( XXXX ) who would get back to me. XXXX did not get back to me. I called on XX/XX/XXXX and spoke with XXXX at XXXX XXXX. She told me at that time that the XXXX payment of {$500.00} was not received according to her software. This is false b/c we both checked the USPS tracking number which proves the check was received. I asked to have a supervisor call me and she said someone would within 24 to 48 hours. No one called. I called SLS again today XX/XX/XXXX and spoke with XXXX. I gave him the certified bank check number for the XXXX payment of {$500.00} My bank said that SLS has the check they just haven't cashed it yet. XXXX ( SLS ) says he will put in a request to find the check. This is the first time anyone has told me that the check was lost/misplaced and it will take 5 to 10 days to find it. He also said a supervisor hadn't called me b/c 48 hours hadn't gone by yet. I am getting the run around from SLS. I need to know if our Loan Modification was approved and what I have to start paying as a mortgage amount. I should not be forced to pay overdue fees b/c we filled out all the application and submitted the application and the three {$500.00} payments on time. I don't understand why SLS is holding the check and not cashing it. Why aren ' t they contacting me with an answer to my question about the loan modification. Something is fishy here.
Product: Debt collection

They contacted me and identified the debt amounting to {$670.00} and I never received information to verify and validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unknown account is on my credit report. I disputed it. They say it's accurate. Gave me no information. It's a store I haven't been to in over a decade, obvious fraud.