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

My husband and I decided to purchase a home this year and XXXX XXXX was the first lender who brought this to our attention. XXXX XXXX hasnt been the second. XXXX tried pulling our credit from equifax on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XXXX. XXXX pulled their reports XX/XX/XXXX XXXX XXXX and XXXX XXXX none of which EQUIFAX has reported a score or report. Instead EQUIFAX has sent a message to both credit requestors ( please see picture of email in attachments ). Nonetheless, when my husband and I call Equifax and request to speak to someone in the United States and to a supervisor theyve assured countless times that there is NO freeze in his account, theres NO fraud alert in his account, theres NO alerts of any kind in his file thats prohibiting the mortgage lenders from requesting his report or score. So, the last time we spoke to EQUIFAX was last Tuesday, XX/XX/XXXX. They said they would mail us a copy of my husbands credit report and weve yet to receive it by mail. Again, its been a week and 4 days thats the longest Ive ever had to wait to get a credit report. Our mortgage lenders both that weve tried to do business with have said theyve never in all their years of doing business have never ever seen this situation ever and have advised us. So we are starting with this first step in hopes you can help us as weve wasted days, weeks, months while Equifax holds one of the highest credit scores my husband has hostage.
Product: Checking or savings account

Mobile deposit for {$700.00} USD made on XXXX XXXX, XXXX and confirmed immediate access to full funds. On XXXX XXXX, XXXX, a hold was retroactively placed on my deposit and no one at Citibank can provide a reason for clawback of funds. 

Mobile deposits have never been held in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 Balance Owed : {$270.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX
Product: Prepaid card

i have already files a complaint and got the resolution.i am not satisfied with the resolution ( {$100.00} + {$25.00} copensation ) as a result of my complaint.I did try to contact XXXX XXXX and i never got a response back.i was not aware that when i dispute the resolution of the bank the complaint would be closed on CFPB end.that is the reason why i am filing an other complaint to get a satisfactory resolution as soon as possible and get a fair amount of compensation for the amount of time i swpent and frustration i went through by contacting the call center agent of US bank.I waqs otld to throw away my gift card woth {$100.00} multiple times just because it was purged in their system
Product: Student loan

Navient is constantly harassing me and refusing to lower my payments to meet my income.
Product: Credit reporting or other personal consumer reports

Hello, I recently did a credit check on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it should follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates. This Accounts XXXX, is not complete and accurate. 

XXXX XXXX date last active, opening date and date of last payment is not correct, this account t is not accurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was contacted via email by a XXXX regarding a job opportunity via the rotary club working for an XXXX XXXX. The job opportunity involved working as a personal assistant purchasing items for foster homes and aiding XXXX XXXX in her humanitarian relief. I reached out to accept this opportunity and I was contacted by XXXX XXXX via email at XXXX. She established contact and gave me a list of supplies the homes needed. She then sent me a check for {$1000.00} to use for these purchase. After this she reached out and told me the foster homes were in need of cash and she needed me to send {$990.00} to one of the homes. She sent me another check to make up for this and I did not think anything of it. I sent the money via XXXX to a XXXX XXXX at XXXX. A few days later my account with Bank of America was closed due to fraudulent activity. I was cut off with no money as a college student away from home. I was confused and frustrated because I did not realize I was being scammed until this occurred. I contacted the bank and filed a fraud claim to get the account resolved and my money returned. The bank barley asked for any information and if they did ask for anything it was typically all vague. The never received any files on my end regarding the situation. They asked for names and that was it. Unfortunately the account closure was final and I could do nothing to change it. My account was closed and I was left stranded with no funds. As for the funds I lost being recovered the fraud and claim department could not offer me a solution after an investigation. My account was closed and I did not receive any money back after the fact. I feel as if it was grossly mishandled.
Product: Mortgage

Hello, I started the refinance process with Good mortgage who contacted me on behalf of XXXX XXXX XXXX, around the middle of XXXX. I have yet to close on my loan or commit to any of the home appraisals requested as the lender would put in a work order and then not follow through on closing on the loan. The lender which is XXXX XXXX explained to me I was in an unbalanced debt to income ratio. I explained to him before he even ran my credit what I owed payments and loans on. He reassured me and ballooned my income to the underwriter in which they requested the same docs as he. They kept asking me to upload docs and when I checked my credit history pull, they pulled my credit 2x which is why I explained to him, I did not want my credit ran if he could not actually verify my income. Soon after running my credit he then offered to look into my financials which is what I asked him to do from the beginning. He then said my Debt to income ratio was high and that I had to pay off one of my loans and when I paid the loan off he was atonished and then asked who paid if for me as if I did not have any money or were not capable of paying off any of my debts, which I thought was a slap in the face. I then felt like cursing him out as I WORK very hard with three jobs and one side job that I just started. I believe they were sent to keep delaying the process of me finding a lender ( better lender ), they keep pulling my credit score and are trying to keep me stuck within XXXX XXXX XXXX XXXXenders, who have me capped out at 5.0 % and I was searching for a cheaper interest rate and they knew that as I EXPLAINED THAT TO THEM OVER THE PHONE as they ballooned my mortgage payments to the point where we thought we were going to have to default on the loan. They target weak individuals who know nothing about mortgages.
Product: Debt collection

I have sent documentation to both parties, ( the original debtor " XXXX XXXX XXXX XXXX XXXX   and US Collections West In. ) that the information that us west is reporting on my XXXX credit report is inaccurate and the debt was discharged in 2012 and is now being reported on my credit file filled with inaccuracies. The account in question had been previously stated on older credit reports as included in bankruptcy and now that statement has been unlawfully deleted/removed in the comment section of my credit report. It is now seven years later after being discharged in bankruptcy and they still refuse to follow the FCRA guidelines and are currently attempting to unlawfully collect on a debt, adding extra fees to the debt and refuse to acknowledge the fact that this is no longer a collectible debt.
Product: Credit card or prepaid card

Barclaycard credit cards stopped sending me credit card statements for years. They sent my statements to a wrong email address that was not mine, thus violating my privacy. As a result of changing terms and conditions, I was not aware of my interest rate or the expiration of my promotional rate, and was charged almost 25 % interest for over a year without my knowledge. When asked for rectification, Barclaycard did not help me nor show any desire to help me. They have violated my right to view a monthly statement and to review any changes to my agreement with the company. If I had known of the specific amount of interest I was paying, the amount on the card, or any of the other information I'm entitled to each month, I would have paid off more or transferred the balance. Instead, this has created a financial hardship to the tune of {$1500.00} in interest that I would have saved had I received even one statement. I suspect either fraud or negligence on the part of the company, neither of which should be my responsibility.
Product: Debt collection

XXXX XXXX XXXX XXXX will not respond to several requests for validation of debt put on my credit report. Nor will they send me a copy of the HIPPA release to even verify a debt they say I owe. Now there is Applied Business Solutions/XXXX XXXXXXXX XXXX trying to collect on a debt that I don't even owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this Complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past 30 day mark and can not verify these accounts, Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified that I have disputed. Please resolve this manner as soon as possible Thank you.
Product: Credit card or prepaid card

My mother added me as an authorized user on at least two credit cards without my prior knowledge. I have never had access to bills or statements. One card, the Visa, my mother told me to use for tuition, emergencies, and other expenses, but then she falsely accused me of charging {$30000.00} ; I asked her to show me a statement so we could clear up any misunderstandings and I also asked her to close the account, but my mother did not show me any statements so I do not even know what she claimed that I charged and she told me that she had me as an authorized user, so I do not know if she removed me from the account. Before I had student loans, my mother told me to use the Visa to pay off a hold on my student account ; she also told me to use it as an emergency fund for my children and myself, because my ex-husband has willfully refused to pay support, however, most times I have not used it. I never activated the second card, the MasterCard. I do not have accounts with the credit card companies so I am not sure how to check and see if I have accounts to close with them. I tried to report it to the FTC as well, but I did not have enough information. I already tried to clear up any misunderstandings with my mother, but she didn't even show me any statements, and I want to avoid being a victim of fraud and I want to avoid being falsely accused in the future. My mother seemed like she wanted me to think she was helping me by making me an authorized user on the credit cards, but falsely accusing me is not helping me and I do not know what government agency helps with this problem.
Product: Mortgage

There is too much information to include in this questionnaire. I ended up doing a short sale with some shady real estate broker. I had listed the house for sale and when the closing date was coming up, I was informed that HUD had a lien on my home. I was unaware of this. Did they include this information in the book of paperwork they sent me to sign? Perhaps I'm not a paralegal or a lawyer and relied on the Wells Fargo Employee to inform me of details beyond a basic modification. I did not see it I was not informed about this when speaking with the Wells Fargo representative who was handling my LOAN MODIFICATION. This company is taking money from the government with no repercussions. It's despicable.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have opened several disputes regarding incorrect reporting for XXXX years for XXXX and XXXX Account # ending XXXX, that was closed by the merchant in XX/XX/XXXX, due to the store closing. The account was never late since it was opened in XXXX. In XXXX I called the merchant to request a settlement for the balance since the account was already closed, and I was approved and made the agreed payments on time. The final payment was made in XX/XX/XXXX, as agreed. It appears XXXX XXXX has been reporting the account as a charge-off due to delinquent payments even after I have provided all pertinent documents to prove the on-time payments, including receipt of payments for XX/XX/XXXX thru XX/XX/XXXX on bank statements, company statements, and also the many letters I have received from XXXX XXXX with conflicting account states of both never late and past due which I have included again in this complaint as well of my current credit reports from Experian reporting excellent payment history but still reporting late payments, and XXXX reporting the account XXXX XXXX  information and delinquent. When I spoke to a XXXX XXXX XXXX at XXXX XXXX regarding Case # XXXX @ XXXX XXXX XXXX, I was advised XXXX # XXXX was sent to all three credit bureaus reporting no late payments. Settled prior to charge-off with XXXX rating, however I received a letter dated XX/XX/XXXX, showing when I agreed to the settlement the account was past due, which was incorrect. This error has continued to affect my credit worthiness, and I have not been able to secure a loan causing a hardship. I would like the issue to be re-investigated and be forwarded information from the investigation ex. dates of late payments that proves the delinquency and resolution. I would also appreciate the reporting be corrected once and for all. Please refer to CFPB complaints XXXX, XXXX, XXXX from XX/XX/XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Debt collection

Credit Management LP is attempting to collect a debt owed to XXXX XXXX for cable service at XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX. I have never lived in Oklahoma. I do not have cable service from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I reached out to the three major bureaus about inaccurate information on my credit report, and asked for them to be corrected. It has been over 45 days and I still have not received a response in regards to my complaint, I feel as if I am being taken advantage of, and my rights are being violated! 15 U.S.C. 1692d states that companies are not allowed to abuse, harass, or damage my reputation. By reporting these late payments on my account I am being harassed and my reputation being damaged! I would request that these late payments be removed and updated to paid as agreed.
Product: Mortgage

I am currently in the process of a refinance. 
My attorney 's office has tried multiple times to contact my Mortgage servicer for the pay off amount and has not heard back. 
They are not being responsive and therefore holding up the process. 

From my attorney 's office : " Ive faxed and called twice and was told I would have it last week. I attempted to call yesterday, again, but was on hold for quite sometime and had to hang up ''
Product: Credit card or prepaid card

XX/XX/18 I currently have an account with ace cash express under the label " XXXX XXXX '' I went to use my card to overdraft a few dollars to pay off a bill and was told that it wasn't working. I have tried contacting ace cash express, and was told I was on a cool off period after 16 overdrafts in a years period. However I was never made aware of their policy, and have read every " terms of service '' regarding their overdraft protection program. Nothing is made aware to consumers that there is a cool off period. Do they need to disclaim this to the end user?
Product: Credit card

I Am Requesting An Re - Investigation From Navy Federal Credit Union concerning COMPLAINT ID XXXX. I am also Filing an Follow Up Complaint As A Federal Protected Consumer To Exercise My Consumer Rights And Resolved Inaccuracy and Unfair Activity In Concern With My Credit report. According To 15 U.S. Code 1681i ( 1 ) ( A ) - Procedure in case of disputed accuracy ( a ) Re investigations of disputed information ; Re investigation required. In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which Navy Federal Credit Union receives the notice of the dispute from the consumer or reseller. Reporting MY Personal Credit Information to A Non Affiliated 3rd Party Is Illegal. 

According To 15 U.S. Code 1601 ( a ) - Congressional findings and declaration of purpose. ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. IF Navy Federal Credit Union Failed To Honor The Federal Protected Consumer Laws And My Consumer Rights, Then The Next Step Will Be To Take Legal Action In Federal Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing XXXX XXXX account along with other inaccuracies with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts ... .. I have also reached out to XXXX  myself. I do not understand why this account can't be updated accurately when I am paying on this account monthly. This account should be reporting in good standing. See attached documents for inaccuracies recorded by Equifax, XXXX, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$0.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 14 of the attached credit report. ) This account should never have gone to collections. XXXX XXXX XXXX was sending the bills to an address that was over ( 4 ) years old so I was not aware that this account was ever in collections. I contacted XXXX XXXX XXXX and paid this. The insurance company was never billed for this service. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting or other personal consumer reports

I have recently received my full credit reports from TransUnion, XXXX and XXXX and I noticed a collection on my TransUnion report that has already been proven not to be my account or debt and have been removed and deleted from my other two consumers reports. I am unsure why this collection is still showing on my TransUnion report when I am not responsible for this account. 
I am not liable for this debt, ( XXXX XXXX XXXX or XXXX ) I do not have a contract with, XXXX XXXX XXXX they have not provided me with the original contract as I have requested from their agency and also requested Transunion to provide. 
In accordance with the fair credit reporting act, This company ( XXXX XXXX XXXX ) 15 USC 1681-602A states I have the right to privacy.

15USC 1681-604A section 2 States a consumer reporting agency can not furnish. 
an account without my written instructions. 
I do believe that this report is inaccurate, and these companies have not done a full investigation to verify this account as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards of items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Debt collection

{$1000.00} first credit services I have no knowledge of this account I try to reach out to them to advise my information was exposed in a credit breach no response. I have never did business with this company or opened an account