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

I have disputed a Bankruptcy with the Credit Bureau who continues to inform me that verification is verified as accurate when it is not. The Bankruptcy Courts mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$4000.00} XXXX XXXX XXXX Balance : {$290.00} XXXX  XXXX XXXX Balance : {$13.00} XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, an international payment of {$2500.00} USD was made by myself to be sent by NFCU, to be sent to XXXX XXXX XXXX XXXX, who was using XXXX as an intermediate bank, account for a student loan payment for my wife. After no seeing the account credited for 2 weeks, we called NFCU again where we realized that there was a digit missing on the form 's student account number, and the money was most likely being held by the intermediate bank. NFCU then sent a message to the intermediate bank to update the account number. After another 2 weeks, we contacted NFCU again who had no further updates, but recommended we contact XXXX XXXX XXXX in the XXXX. We contacted XXXX XXXX XXXX, and they said they couldn't do anything and to reach out to XXXX. We reached out to XXXX and they informed we would have to intiate a withdrawal via NFCU. We requested a reversal of funds on XXXX where we were told it would take 3-5 business days. On XXXX I contacted NFCU once again, as I had not recieved my funds, however I was informed that the 3-5 business day referall was incorrect and that there was no time determination of when I could ( if ever ) recieve my funds back. I escalated the case to a supervisor, and asked to file a formal complaint with the company at this time.
Product: Student loan

XXXX is attempting to collect on loans that were previously deleted from my account. I received notification from all XXXX credit bureaus that the XXXX negative items were removed from my credit report and would not be placed on my credit again. They claim that National Collegiate Trust owns this debt but I never signed any paperwork with them and never showed how they own and if they have the rights to collect on this account. I want the XXXX loans to be off my credit report for good. I never signed any agreements with National Collegiate Trust and they have submitted any proof the own the rights to the loans. I asked XXXX for this information twice but they decided to send the XXXX loans to a collection law firm, it is illegal for National Collegiate Trust or XXXX to keep sending these loans to a collection agency after the loans were removed from my credit report 3 weeks ago. They are ruining my credit and I will have to get a FDCPA to put a stop this once and for all.
Product: Credit reporting or other personal consumer reports

15 U.S Code $ 1681c-2 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, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the XXXX data breach, and I've discovered misleading items linked to my profile. 

XXXX XXXX XXXXXXXX XXXX XXXX : {$250.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1500.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I received a bill from aidvantage during the first week of XX/XX/XXXX with a statement dated XX/XX/XXXX. The bill had no phone contact information so on XX/XX/XXXX I phoned the U.S Department of Education and obtained the phone number to XXXX which is XXXX. After numerous attempts calling this number and waiting approximately XXXX minutes, I finally reached a representative on XX/XX/XXXX. 

As co-signer for my son 's college education, I explained that I had no previous record of this loan and would like to obtain documentation of where this originated. The agent responded that they could only provide me with payment history and confirm email correspondence sent to me. I then asked why the interest rate was so high at 8.5 % and the agent responded that aidvangtage had sent me correspondence via email which I have no record of receiving and that by sending this email correspondence to me I had accepted the terms of the loan which is currently 8.5 %. I then asked why they had not contacted me by phone. The agent responded that according to their records the number on file was XXXX. I responded that this landline number was not accurate and and should be XXXX. 

To better understand payment history I asked what account they had received payments and the agent was unable to confirm what account they had received the payment from and could only confirm that the last payment in the amount of {$95.00} was received on XX/XX/XXXX before being placed in a hold status because of COVID. The agent then explained that the loan was now active and I needed to make payments. 

Not only is the service poor but I don't know where to get help confirming the accuracy and legitimacy of this loan. Other concerns include : inaccurate customer contact information, inability to provide requested loan information, increasing loan interest rates by stating that an email was sent notifying the customer of this new rate, difficulty reaching an agent to name a few. 

Can you please help me determine the legitimacy of this loan?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to BARCLAYS BANK DELAWA agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting BARCLAYS BANK DELAWA agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT ON XX/XX/24 TO MAKE SURE EVERYTHING WAS CORRECT AS I HADNT CHECKED IT IN A WHILE AND I NOTICED THAT THERE WAS SERVERAL ACCOUNTS THAT WERE NOT MINE ALONG WITH MY XXXX LOANS BEING REPORTED LATE FOR SEVERAL YEARS, WHEN THEY WERE ON A FORBEARANCE PLAN AND SHOULDNT HAVE BEEN LATE AT ALL. I SINCE HAVE BEEN IN SERIOUS DISTRESS AND I CANT QUALIFY FOR MY HOME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my tXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Checking or savings account

On XX/X/17 around XXXX I came through the drive thru line with my kids and tried to Cash a check on my account. The check was for {$450.00} my account has some $ 1,100+ already in it. I signed the check and put in my Drivers License with a Valid Government Issued Photo ID. ( I was refused service at the drive thru and was told I would have to come in despite having Valid ID, my debit card and the check ) At this point I had to park and get my XXXX XXXX to XXXX crying baby out of the car and carry my XXXX XXXX XXXX into the bank at their Convenince. I was once again refused service with my Valid Govenrnmenr issued Photo ID. When I requested the Policy pertaining to this Interal Banking Policy, as described by XXXX XXXX. She flat out ignored me. I then request this same policy be printed out from another Teller as was also ignored. Finally I called to what appeared to be a Manager and XXXX proceeded to argue with the Manager who then Walked away and I was once again ignored and refused the Policy print out of proof it even exists.
Product: Mortgage

I have contacted LoanCare on multiple occasions, With my loan switching from one to another I never knew that my loans may have overlapped, I have faxed, email, and called to show proof of payments to keep my loan current and pay off on any late fees that may have occurred during this time. Yet no answer if my loan was current or payments that I would need to pay. I have confirmed that they have my direct payments info at their location they refuse to use that to take out payments from month to month. I 'm really frustrated with this entire company now I 'm scared that I may lose my home because of the lack of communication they have with the customer.
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 names Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : A consumer reporting agency can not furnish an 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 information items. Any other adverse item of information, other than records of convictions of crimes which antedates the report than seven years.

15 U.C.S. 1681 s-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 recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my credit report, they are hurting my ability to obtain credit.
Product: Credit card

To make this short and sweet, I purchased an upgraded room called a traditional quadruple which was XXXX $ + more a night for 4 people using the Capital One Travel benefits. Capital One travel sent a booking to the hotel for a Traditional Double for 2 people. I called to have the issue corrected and to be given the right room. Capital one refused to correct the issue, and told me basically they don't care that I had to pay myself to make it right and refused to pay me back the difference. My own bank scammed me out of a room provided me a lessor room and told me to shove it. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies investigation did not fix error 's. 

I am very upset that the credit reporting agencies have included the below inaccurate credit information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently credit which was very stressful for me. 




XXXX XXXX XXXX : Account # XXXX Closed Account Incorrectly Reporting Terms Closed Account Incorrectly Reporting Installment
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2012 I was a victim of fraud. I had my identity stolen and it was used to open school accounts to get loans. my IRS refund was stolen for years I have been dealing with my identity being used against me. please help me, Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$0.00} XXXX # XXXX XX/XX/XXXX -- {$4000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$5100.00} XXXX # XXXX XX/XX/XXXX -- {$320.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2300.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$140.00} XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$1900.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1800.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

IC Systems have been calling up to 4-5 times a day from various different numbers with the XXXX area code. It is very annoying and way too many times to call. They have n't left a voice message therefore I could n't call them back with knowledge of what exactly they are calling about. I want them to stop calling because the debt they are calling about is n't even current or correct.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
DEPTEDXXXXXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$910.00} XXXX XXXX XX/XX/XXXX {$0.00} Bankruptcy Chapter XXXX Bankruptcy XX/XX/XXXX XX/XX/XXXX XXXX Bankruptcy Court XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy XXXX Federal INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}
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 XXXXXXXX XXXX XXXXXXXXAccount name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX, 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 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, credit repair services, or other personal consumer reports

Transunion did not properly investigate accounts that was furnished on my report, its a lot of inaccuracies. Those items would be XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, and all inquires except XXXX XXXX By law Transunion is required to investigate anything that is furnished on my credit report. what method was used to investigate these accounts?
Product: Payday loan, title loan, or personal loan

Sunlight Financial is our lender for solar panels. When trying to create an account to monitor and review progress of our loan we received the following, " XXXX XXXX has not opted-in to offer consumer XXXX XXXX XXXX XXXX customers. '' That response seems intentionally un-transparent that they would " opt out '' of allowing consumers to view their account standing.
Product: Credit reporting or other personal consumer reports

Yes, Seem like this company called barcaly gotten my information? i'm an old navy shopper but i don't have their credit card or what so ever. but for some reason someone from Barclay found my information and decided to do a cold call and try to sign me up for their credit card and the number came from this XXXX. This happened a while back and i have decided to finally post this up for everyone to see. I'm not going to give out too much information about me because i don't trust Barcaly and nobody should!
Product: Credit card or prepaid card

XX/XX/2017 I applied for a Navy Federal Credit Card. When applying, they gave me the option next day air the credit card to me for a fee of {$12.00} that would be charged to the credit card account once approved. The account was NEVER approved. The {$12.00} was reported as delinquent/late pay. I even paid them the {$12.00} expecting them to remove this negative & false information from my credit profile because I never had an OPEN credit card account with them. It is still present on my credit report.
Product: Mortgage

Our Country is facing challenges times and therefore the Consumer financial Protection should step up to the plate and enforce certain provisions that help consumers retain their homes. It is why you exist ( Consumer Financial protection Bureau ), without consumer complaints this organization would be non existent, please take this complaint seriously. 

On XX/XX/2020, BB & T received our request for a loan modification. Pursuant to Federal Rules, upon receipt of financial package servicer 's are to comply with the Federal rules and provide borrower 's notices of acknowledgment within 5 ( five business days ), of receipt. As of today XX/XX/2020, we have not receive any acknowledgment from the servicer. The servicer believes that the Federal Rules do not apply to them. No one is above the law, in fact the Supreme Court recently made this very clear In : District of New  York  v Donald J Trump, ruling. BB & T is NOT ABOVE THE LAW. BB & T must provide the following 1 ) acknowledgment letter 2 ) Notice of process and or missing additional information 3 ) outcome of the request whether is approved or denial 4 ) in the event of denial provide information where to mail appeal. BB & T must comply with the RULES!. Consumer Financial do not just stand here, do your job!.
Product: Mortgage

My husband and I applied for a new FHA mortgage loan. We were pre-qualified and pre-approved with our lender, who ran our credit scores on XX/XX/XXXX. We went with Rocket Mortgage ( aka Quicken Loans ) and locked in our rate with them in early XXXX with a scheduled closing of XX/XX/XXXX. We provided all the usual mortgage application information/paperwork, which included disclosing inheritance money as an asset. Quicken/Rocket ran our credit 3 times in a matter of 17 days -- XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In this time, they did not work on our application per our lender. When I asked our lender why they were doing it, they could not give us an answer because they weren't getting answers. Of course, this ended up causing our credit scores to drop, and then they asked for $ XXXX in mortgage overlay. We found another lender to fund our loan, who was able to get us squared away, start to finish, in 1 week. They did more work in 1 week than Quicken/Rocket did in over a month. I believe Quicken/Rocket purposely did the 3 hard inquiries on our credit to purposely drive our credit scores down, so that they could attempt to extort us for the $ XXXX they knew we had. This was very deceitful and unprofessional. I understand that the mortgage companies may pull credit, typically right before settlement to make sure all is still in order, and I understand that on the ocassion they may ask for mortgage overlay, but the fact that they ran our credit 3 times to produce the results they needed to be able to request the overlay, whilst not doing any other work on our application, is what tells me that this was unfair, deceptive, and maybe even unlawful.