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

NCTUE has failed to send me a copy of file as requested ignoring all attachments which included proof of return receipt and that they received the letter NCTUE is willfully not complying with to the FCRA. It has been 2 months since i first requested my file and in that 2 months i have received nothing from NCTUE. THIS IS MY 3rd COMPLAINT AGAINST THEM FOR NOT SENDING ME MY FILE AND PLACING A REQUESTED FREEZE. I receieved a letetr stating that they were placing a freeze yesterday ( XXXX ) the original request was the beginning of XXXX. Furthermore i still have not received a copy of FULL CONSUMER FILE DISCLOSURE. This is a violation!!!! I have requested this at least 3 times now 2 of which were through CFPB. Where is my full consumer file at NCTUE!!
Product: Credit card or prepaid card

Hi, I have had a credit card with Citibank for 8 years. In XXXX, my card expired and I asked for a new one. The company refused on numerous occasions to issue me a new credit card, however, left my account open and it still shows as an open account on my credit report. I was told they refused to issue me a replacement card because of a debt that was owed from XXXX that was then added to my credit report in XXXX. I was contacted by a law firm representing a company that had purchased the debt from Citi bank and was told by Citibank that I was not allowed to have a new replacement card until I paid the debt. Upon speaking with the lawyer on the phone, he said that the debt was opened in XXXX, which was a XXXX, it was opened in XXXX when I was in college. I had not heard from Citi or anyone regarding this debt for years until XXXX and this situation came up. I negotiated a lower payment with the law firm and contacted Citibank for a replacement card since the debt had now been paid. They continued to refuse me a replacement card, hanging up on me on the phone as well. I to this day still have an open credit card account with Citibank that is XXXX years old, with no payments due, XXXX balance, and am still refused a replacement credit card, even with the previous debt that is XXXX years old now being rectified.
Product: Credit card or prepaid card

on XX/XX/2021, I apply for a HomeDepo loan project credit card, at the time of the call they offer me 2 % interest for 6 months, and after that it was going to change to the % that I qualified. 
4 days later I got the installment loan agreement, which was 16.24 % there was not 2 % promotion interest for 6 months like they said to me. 
I call them and told them what they offer me, and ask for a manager, told the manager to listen to the recording to see what I got offer.

on the next 4 days the manager call me, and this is what she told me. I did listen to the recording and I want to apologize, they did offer you the 6 months 2 %, but there's nothing we can do, the only thing we can do is do a better training to our employees.

I got XXXX now, and I would like to get some help.

this is the manager of the loan project credit card. 
XXXX from Greensky XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent TransUnion a total of ( 5 ) written requests over the past year and a half to validate a Chapter XXXX  Bankruptcy displaying under my credit file. The credit bureau responds to my requests with the same messages repeatedly. Please see down below : 1 ) TransUnion responded that the completed investigation was verified by the data furnisher 'USBK  Court XXXX  Florida ' and that they will NOT continue to re-investigate such requests from me.

2 ) I took it upon myself to send a letter to the USBK Court XXXX  Florida and asked how such procedure information is validated with Credit Bureaus. The USBK Court House sent me a returned letter explaining that they DO NOT validate information with 3rd parties and have no jurisdiction over reporting agencies. 

TransUnion sends me the same automated / generic letter in response to my request to validate a Chapter XXXX BK. They continuously claim they will not re-investigate. How could they have claimed to validate such information with the USBK Court House when intern the USBK Court House does not validate such requests with reporting agencies. In reality, TransUnion never investigated such and completely ignored my repeated requests by sending out a generic letter saying it was verified by the Court House.

I am attaching the letter sent to me from the USBK explaining how they do not validate information with 3rd parties such as Credit Reporting agencies. I am also including the letter sent to me from  TransUnion.
Product: Debt collection

Hi my name is XXXX XXXX my last 4 numbers of my social are XXXX, I am writing to formally dispute fraudulent accounts with Citi and inquiries that have appeared on my credit report due to a data breach that compromised my personal information. I did not authorize these accounts, and I demand their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681c-2 ] and Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX Date Opened XXXX. XXXXXXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I am a XXXX  currently working in California on a travel covid assignment after having a new card sent to me because I reported a charge I didnt make chase sent my new card to the hotel I am currently staying at ... about a week later a spoke with a chase employee over the phone because my card was being declined she said it was locked due to suspicious activity I informed her that I have the card in my possession told her I live in New York but was in California working she then unlocked my card ... a week later I tried to log into my app and found out it was locked called chase and was informed it was restricted went to a branch here in California was informed they couldnt help me because my ID is expired it expired XX/XX/XXXXdue to covid was unable to go to DMV ... govern our XXXX extend our ID.. but was told nothing they could do so Im in California with no money but have to go back to New York to prove who I am ... ridiculous I do not feel like a valued customer XX/XX/XXXX
Product: Debt or credit management

In accordance to regulations E a investigation was going on where the company was supposed to provide provisional credit and give client access to it while the investigation is going on accordance with 12 CFR 1005.11 ( c ) ( 1 ), ( 2 ) ( i ). As well they waited to the 10th day close my account and I supect them of stealing the credit in accordance with grand larceny How Is Grand Larceny Different From XXXX XXXX? 
While both grand larceny and petit larceny are crimes of theft, grand larceny is more serious as it is a felony, and petit larceny is a misdemeanor. You will face a charge of grand larceny if you are suspected of stealing property with a value of more than {$1000.00}. If the property has a value of {$1000.00} or less, then the charge will be XXXX XXXX. However, as a New York grand larceny lawyer will explain, there are a few exceptions to this. For example, if the property is taken from another 's person, or if the property is taken by extortion, the charge will be felony grand larceny regardless of the value of the property. The claim that was put in with netspend was XXXX and the card was XXXX XXXX XXXX XXXX account ending in XXXX
Product: Mortgage

I have been having struggling to make my mortgage payments. So I applied for the Homeowners assistance Fund called ( Save the Dream Ohio ). I applied on XXXX. My application was approved by the state HAF program on XXXX. The state has been waiting for my loan servicer to reply so that they can assist with funding my loan. I have called my loan servicer BSI several times only to be transferred to a voicemail of my lead representative that never calls me. I have sent correspondence emails to my lead representative XXXX XXXX and to the customer service team via email. I emailed my letters of income eligibility approval provided by my states HAF program. It is now XX/XX/2022 and I still have not heard anything nor has my state HAFs program received a reply back from my loan servicer.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX Balance Owed : {$1900.00} BK OF AMER **** Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Under the provisions of the Fair Credit Reporting Act ( FCRA ), the following accounts have violated my federally protected consumer rights to privacy and confidentiality, as stipulated in 15 USC 1681 : I have initiated a request with XXXX, XXXX, and XXXX to reevaluate the accuracy of the following accounts : XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX # XXXX, XXXX  # XXXX XXXX 

However, their response indicated that these accounts were reported as complete and accurate. This assertion raises concerns, particularly regarding discrepancies in the open date, date of last activity, and other pertinent details. 

In accordance with 15 USC 1681i ( 5 ), it is incumbent upon these agencies to amend inaccurately reported accounts. 15 U.S.C. 1681 Section 602 A asserts my fundamental right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without my explicit written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) prescribes that no consumer reporting agency may include certain adverse information in a consumer report, with the exception of records of criminal convictions that precede the report by more than XXXX years. 

Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that no person shall provide information related to a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate. 

Additionally, it has come to my attention that these agencies are not in compliance with XXXX XXXX credit reporting standards. If these accounts are accurate why have they been removed from some credit reporting agencies but not all. It does not make sense! I have no contract/dealings with these companies. I I possess compelling evidence to substantiate my case. Please fix this immediately!
Product: Mortgage

While trying to obtain a loan for a new mobile home park model I was pushed by the manufacture to do business with Triad Financial Services. I used the apply on line feature on the Triad website and had a Credit Approval-with pending conditions. The list of pending documents needed to complete the process was listed on the Credit Approval. I made copies of the requested documents and sent via email to the underwriter, XXXX XXXX. The email was sent on XX/XX/2020 @ XXXX. I tried to follow up with XXXX, however the direct line to XXXX went to another employee 's voicemail box and no other option was offered. XXXX XXXX was the customer rep and the only person I had contact with at Triad, two short phone calls. I tried to contact XXXX to make sure the documents arrived and were acceptable but I could only get her voicemail. I had one email response by XXXX telling me I would know something in 24-48hrs. During the same time I sent emails to ask questions about the loan and what Triad procedures are for items like escrow accounts and taxes. I never received a response. After consideration of Triad 's behavior and the Manufacture 's behavior I decided it was in my best interest to cancel the build and loan. I sent an official cancellation notice letter to all parties involved. This letter was emailed XX/XX/2020 @ XXXX. I was sent a denial of credit via the manufacture XXXX. The key factors for denial were listed as : Proportion of loan balances to load amounts is to high, Amount owed on revolving accounts is to high, unable to verify income.

I checked my credit scores before starting this application and the three credit agencies showed that I had NO balance on revolving credit, my credit score was XXXX and the only loan with a balance is a XXXX monthly payment. I have never had a forclosure, late payment or default of any kind. I am a XXXX XXXX XXXX XXXX  with my own company. I sent the requested 1099 and tax returns which prove my more than needed income for a loan of XXXX per month. 

It is my opinion that the very unfavorable denial of my loan was a retaliation done after I had canceled the loan and build, the cancellation letter I sent to Triad and XXXX XXXX XXXX XXXX  giving reason for cancellation as Triad 's failure to respond in a timely manner and XXXX XXXX XXXX   XXXX  using this to push back build and delivery dates. I have the email records shoeing the time lines. As the consumer I felt it was in my best interest to stop the transaction before I could end up in a contract with an aggressive predatory lender that has a long history at the XXXX  for bad customer service. 

I am more than willing to discuss this with anyone involved or government agency.
Product: Bank account or service

PNC Bank reordered transactions on my account to make it appear that a check I wrote on XXXX/XXXX/16 posted and cleared my account on that same day, in order to assess to overdraft fees on my account. My account balance was at exactly {$.00} when I checked it throughout that day. When I checked my account on XXXX/XXXX/16 suddenly I had XXXX overdraft fees from a check I had written the previous day, and a transaction that was not on my account for {$1.00} the day before. I have attempted to resolve this with PNC, but they keep telling me that it 's " possible '' that a check can clear and post the same day, and they are refusing to refund me the fees they charged in the amount of {$72.00}
Product: Mortgage

HERE IS THE DOCUMENTS FOR MIS APPLIED FUNDS AND TAXES PAID WITH REFUNDS PAYMENTS BE LOGGED IN AS OTHER THEN POSTED AS PARTIAL LATER SHOWING UP AS UNIDENTIFIED LATER AS A PRINCIPLE CURTAILMENT FROM REFUNDS OF TAX IMPOUNDS PAID BY CONSUMER YEAR BEFORE THE LOAN WAS TRANSFERED 1099s incorrect missing no accounting of why pay taxes before due date no tax bills letter to cfpb says PLANET HAS DIFFICULTY GETTING TAX INFO WHILE Demanding consumer to pay with no accounting fron rax office recent refund from tax % XXXX with any knoweledge payments listed as other intend to defraud this is the dociments with only part of the game they are playing
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to discover inaccurate accounts on my credit report, and I have no clue how they got there. I checked my credit report as I normally do, but this time, there were unexpected discrepancies. Hoping it was just a technical glitch, I refreshed my browser, but the accounts remained. Im deeply concerned and requesting that the documents Ive sent be carefully reviewed so that I wont have to deal with this kind of worry again.
Product: Credit reporting, credit repair services, or other personal consumer reports

So i sent a letter off on XX/XX/2022. Here is my tracking # XXXX remove personal information that l don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third-party people.

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I am following up on a previous dispute that was filed in which I requested that multiple accounts listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Equifax failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX - XXXX | Account : XXXX | {$200.00} XXXX | Account : XXXX | {$0.00} XXXX XXXX XXXX XXXX Account : XXXX | {$820.00} US DEPT . OF EDXXXX | Account : XXXX | {$0.00} US DEPT . OF EDXXXX | Account : XXXX | {$2400.00} US DEPT. OF EDXXXX | Account : XXXX | {$2100.00} US DEPT. OF EDXXXX | Account : XXXX | {$3900.00} XXXX DEPT. OF EDXXXX | Account : XXXX | {$1700.00} US DEPT. OF EDXXXX | Account : XXXX | {$4400.00} US DEPT. OF EDXXXX | Account : XXXX | {$4900.00} US DEPT. OF ED/XXXX  | Account : XXXX | {$7100.00} US DEPT. OF ED/XXXX  | Account : XXXX | {$3300.00}
Product: Credit reporting or other personal consumer reports

Transunion violated my rights under the Fair Credit Act by reporting negative transactions in my consumer report.At no time has he shown me any type of document that supports those negative transactions that are seriously affecting me. This is not the first time I have to tried to resolve the matter. ( XXXX XXXX XXXX XXXX XXXX ) File Identification Number : XXXX XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted Equifax to " remove '' a dispute comment from my credit bureau, because I am trying to refinance my house and the mortgage lender will not move forward with my loan until the dispute status is removed. Every time I've called Equifax, the representative on the phone can hardly understand what I'm saying to them. The result turns into them adding another dispute to my credit bureau. I just checked my credit report this morning and found out that not only has the original dispute not been removed, but now EVERYTHING on my credit report is being disputed! I am so blown away at this and it is preventing me from refinancing my home! I don't know what else to do. I certainly don't want to contact Equifax directly and make this situation even worse ( because that's what has happened already ). I'm simply trying to remove any disputes from my credit report, and they ended up adding  a dispute to everything ... including my current accounts. This is bad enough, but then I noticed that it also lowered my credit score by 34 points! If I don't get this removed soon, I will have to do more investigating and maybe try to hire a lawyer to help me ( which I really don't have the extra $ for ). Please help me correct this? I am REALLY needing to refinance my home soon to consolidate debt and get myself and my family  into a better financial situation. 

XXXX
Product: Mortgage

In the XXXX Wells Fargo CFPB response was, If I were more specific, it would enable them to better respond. See attached actual correspondence. 
Wells Fargo can easily discredit my assertions of lack of transparency by producing XXXX or XXXX of the monthly statements they claim to have sent me. Specifically XX/XX/year> or XX/XX/year> for my Mortgage Account # XXXX Sincerely, XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Wells Fargo
Product: Credit reporting

Myself and ex-wife are divorced. I released my rights to the property and gave her the real property in the settlement. She had 180 days to get the property in her name. She has been working with XXXX XXXX XXXX to get this done for almost 5 years. She finally had to filed a lawsuit against XXXX XXXX XXXX to have my name removed from the loan. She was successful in getting the judgement. However, XXXX XXXX XXXX will not stop reporting the loan on my credit. I have challenged the account with XXXX on numerous occasions with all XXXX of the credit b agency but they will not remove the account from my credit reports because XXXX continues to report this account as mine. I have a copy of the ruling where XXXX agree that I am no longer obligated under the loan and that she is solely responsible for the debt hence forth. I have attached the stipulation of release to each of my challenges with the credit agency to no avail. XXXX chooses to ignore the agreement with no regard for my rights.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor 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. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX made an unauthorized inquiry XXXX, XXXX ; XX/XX/XXXX, ; XX/XX/2023 XXXX XXXX XXXX Pull my credit and i did not authorize them to pull. 
XXXX XXXX XXXX pull my credit on XX/XX/2023, I did not authorize them to pull. 
XXXX XXXX pulled my credit on XX/XX/2023. Ive called all the companies listed and was told that they would remove the Inquires, but has not removed the inquiries. 

Also, Theres a XXXXXXXX XXXXXXXX account ( opened XXXX ) ( amount of the trade {$800.00} ) reporting on my Credit file, that i am not responsible for, i am no longer listed as an authorized user on this account. i have disputed this account for the last 4 months, and this accounts still remains on my credit report. XXXX XXXX  no longer have me listed on this account and has taken me off. XXXX, Experian, and XXXX are still reporting this account.