23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The XXXXXXXX XXXX business card belongs to XXXXXXXX XXXX XXXX XXXX XXXX Yes i am XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX our law clearly states a company card if belongs to LLc is for a company. The company close and shut down and went to financial loss. Company is trying to negotiate and pay off the card. Its charged off and now its showing in my personal credit report. Why. I reported so many times and disputed. I want the strike to be removed from my credit report. Its not right to strike a persons personal credit for a business owned credit card. I have attached the proof of the strike in my credit report.
Product: Prepaid card

I got my wallet stolen. So I reported all my things. Even cash app. They were to send one and I never got it so I stopped my direct deposit. However, I still have XXXX dollars on it and I want them to send it they want me to close the account and they jeep the XXXX dollars or use some out of the way way to get it. That's not what I signed up for ir was promised by the cash app. They won't send me a new xard I don't need thier business plus they don't close the account,? I actually have another. I want that closed. I want u to sue them on my behalf please
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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
Product: Credit reporting or other personal consumer reports

Carefully read my complaint as I need immediate action regarding this. Items that has resulted from fraud which I never benefitted from still appears on my report, it is already deleted by both XXXX and XXXX yet you continue to put this false and fraudulent information on my XXXX This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.
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 XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

This is regarding my CFPB dispute/complaint # XXXX against UNITED COLLECTION BUREAU, INC. - UCB reference XXXX XXXX XXXX submitted on XX/XX/year> and updated/closed on XX/XX/year> after the company responded. My original dispute and complaint regarding this matter was thorough and detailed with accompanying documentation. The company 's response was vague, insufficient and lawfully unacceptable. I received NO CORRESPONDENCE or certified proof that correspondence was sent and received to and by me. The company DID NOT provide me with the specific documents I requested in my original dispute/complaint to verify and validate the debt or proof of the company 's lawful authority to enforce an alleged debt claim against me to my detriment. As a consumer, it is my right by law to request and be provided with, in a specific window of time, specific documents to ensure that all account reporting and information concerning my consumer credit report is indeed 100 % accurate. If all the requested documentation can not be provided by the reporting agency/creditor for the accuracy of the account to be proved, then by law it must be removed. Furthermore, THE XXXX ACCOUNT THIS COMPANY IS REPORTING IN AN ATTEMPT TO COLLECT AN ALLEGED DEBT FROM ME HAS ALREADY BEEN DISPUTED AND REMOVED FROM MY XXXX CONSUMER CREDIT REPORT DUE TO NOT BEING ABLE TO 100 % VERIFY THE ACCURACY OF THE INFORMATION BY LAW.
Product: Student loan

I have been calling Navient to confirm that My Tuition Answer loans were part of the multi state settlement that stated that the loan would be cancelled under certain conditions. When I talked to multiple people they stated that I am not part of the cancellation. However this is untrue. 

1. My Loans were taken out from Sallie Mae between the time frame listed. I took out Sallie Mae Tuition loans between XXXX. 

2. My loans were subprime. My credit score was well below the XXXX threshold. Hence the cosigner that was assigned. 

In the Multi State settlement it states that I fall under the cancellation for Category 3 Criteria. 

" Any non traditional private educational loan with an outstanding balance and in past due status as of the debt relief forgiveness date '' after 2002. I defaulted on these loans. They were past due. Sallie Mae XXXX Navient had to take me to court and they wrote off 71 % of the balance, and then told me that they would be in default status. 

In the court documents it states any non traditional loan that was made to a borrower with a FICO score below XXXX to attend a public or private university that was non profit. 

When I told them that I fall into this category they stated that they would not be forgiving my loans, because I do not fall into that category and they only are forgiving loans that are from Category 2 For Profit schools. 

This is in the face of the court documents that show Appendix A : Private Loan Relief, for Category 1 - All Opportunity and Recourse Loans, and Category 3 Non Traditional with subprime credit scores. 

There are 5 tuition answer Sallie Mae Loans that fall under the Category 3 - Non Traditional subprime credit category that should be cancelled under this agreement. 

Furthermore, One Customer Service Advocate or Representative told me that I may be part of another lawsuit under XXXX XXXX Navient, and that any payments I made after the bankruptcy may be refunded back. 

Not limiting to XXXX, Navient should remove the loans from my credit report, and cancel the debt. IF later XXXX vs Navient determines that money is owed, then also should they return any money back. 

I am asking that 1. Navient Immediately follow the XXXX guidelines and cancel these loans. 
2. If XXXX succeeds in XXXX vs Navient then they can repay the money owed at a later date. 

I understand that I am part of both lawsuits against Navient XXXX Sallie Mae. However, right now Navient needs to cancel immediately the loans under the first Multi State Settlement against Navient. Later they can determine the repayment owed under XXXX vs Navient.
Product: Bank account or service

Background : My business savings at Huntington is used for paying taxes and insurance only, therefore I put money in on a monthly basis, till they are due in XXXX. 
I reviewed that account on XX/XX/2016, only to realize it had been hacked on the Bank end, going back several months. I filed a fraud alert that day ; Huntington Bank returned most of the money within a couple weeks, however, refuses to return the remaining saying they only return back for 90 days. They are refusing to return {$840.00}. I 've called headquarters, and spoken to the Bank manager, but now I 'm hoping you can help. I feel I am being pressured to accept it or go through the extensive work to move everything to another institute. As a business owner, I have several tentacles wrapped into my XXXX accounts with Huntington. To move would be costly and time consuming. Can you help?
Product: Mortgage

In early XX/XX/2020, my spouse and I found a home we were interested in purchasing. We had secured our financing with XXXX XXXX and were ready to move forward with putting in an offer on the property. My realtor reached out to the selling agent and was told we must use their lender. 

I was very concerned and voiced my opposition because I did not want to begin the process again, and we were happy with our lender and the work she had done for us. My realtor advised me that this was illegal for them to force us to use their lender but because we loved the home we decided to go through the process. 

On XX/XX/2020 ; my agent received the lenders information via email, and forwarded it to me to apply. 

My spouse and I applied to the mortgage, and once the application was completed the lender ) reached out. We spoke and I informed her that we had already secured financing with XXXX XXXX, and she told me that " If we did not use her services, she would not recommend to the seller to accept our offer, because she wants the business. '' She also stated that the seller relies on her recommendations on what deals to take, and that we would not get the house if we did not use her. 

This was extremely off-putting ; however we wanted the house and went through the process to apply for a mortgage with American Bancshares even though we wanted to continue our business with XXXX XXXX. 

We have now closed on the house, and have lived here for a month ; and I am getting emails from the lender stating they are selling the mortgage to an investor and we need additional flood insurance. 

I informed them that I would not be purchasing any additional coverage, and that the purchase of the investor is not my issue. 

This entire deal has felt extremely shady ; and even after closing things don't feel quite right. 

I have spoken to my new neighbors and many have had similar experiences.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time in less than 6 months that Equifax continues to report an erroneus COLLECTION account as PAID even after the furnisher of the information, XXXX XXXX XXXX ( XXXX ) sent a deletion request to all three credit bureaus. XXXX and XXXX  immediately deleted the collection upon receiving the DELETION request from XXXX 0N XX/XX/2021. Unfortunately, instead of deleting the collection account # XXXX for {$200.00} allegedly owed to XXXX XXXX XXXX, Equifax decided to change it to a PAID collection. This is wrong and it has significantly affected my credit rating. 
I filed a dispute with XXXX on XX/XX/2021 after noticing that they had changed the collection to PAID instead of DELETING it, I called many times without much help. On XX/XX/2021 XXXX supposedly completed their " investigation '' and concluded that they were reporting correctly in total disregard of the DELETION letter from XXXX. This lowered my credit score and put negative information on my credit file at a time when I am just weeks away from closing on my first mortgage. 
Today, I just filed another dispute with XXXX about the same issue again. I have attached the DELETION request from XXXX as well as XXXX XXXX report closing the investigation stating that they were reporting correctly when they were not. I would like XXXX  to prioritize my request for them to report correctly on this account by deleting it as requested by the data furnisher just like the other two credit reporting bureaus.
Product: Debt collection

FIRST PROGRESS CARD opened : XX/XX/2016 ( 3 yrs, 8 mos ) Please note : all the accounts have been closed and reported as collections. 

The debt collector is FIRST PROGRESS CARD, XXXX XXXX XXXX XXXX XXXX Original creditor FIRST PROGRESS CARD Original creditor I got a card that had a limit of {$200.00}, they charged me {$2.00} which put it over the limit of {$200.00}. 
Over the 2 years i have had it has stay een though it is under the credit and is on all my reports. 

Open balance This account has been on my credit for years even it is under my cratit file, i have had it removed many times, buy they keep putting it back on. 


{$180.00} which includes the limit fee which started all this. 
in my opinion it should be no where near {$180.00} since i did not go over the {$200.00} card limit. 
Thank you for your time and stay safe.
Product: Mortgage

My Mortgage company did not renew my home insurance policy despite my home insurance company sending them the renewal statement including the amount. I pay into escrow and has never been late on my mortgage. I did not switch mortgage companies nor the insurance company from the year prior. They brought a force placed policy in which it is very expensive. I was not aware that my insurance was not renewed, because my mortgage payment did not increase. Can you please assist with this matter. I have reached out to my mortgage company and they are telling me it is to late because the policy has been in effect for almost a year now.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You violated the United States Code Law Hello, I am deeply distraught to find out that you have shared my personal information about my bankruptcy ( Chapter XXXX Bankruptcy Case Number : XXXX ) with the credit Bureaus ( XXXX XXXX XXXX ). If the credit Bureaus did not obtain this information from you, then I request that you send me a letter stating that you did not share my information with the credit bureaus, and that they did not find out about my bankruptcy ( Chapter XXXX Bankruptcy Case Number : XXXX XXXX from your company. If you shared my information, that is a violation of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit report. Also Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. Criminally you are in violation of 18 U.S. Code 1028A - Aggravated identity theft, because you repeatedly share my information with new creditors. This punishment can carry up to 2 years in prison. you are also guilty of FDCPA 8012 furnishing deceptive forms, because the forms you sent to the credit Bureaus are misleading, and I feel misled by your actions. I attached exhibit A as proof that this bankruptcy is appearing on my credit report because of the information your company has illegally supplied.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It's my understanding that you will investigate these accounts for me to ensure accuracy Here are the account I am asking you to verify as accurate : XXXX XXXX XXXX, XXXX XXXX  XXXX, 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
Product: Credit card

XX/XX/XXXX, I requested my credit report and became aware of a Sears Credit Card account that was opened under my social security number. The account did not have a balance, but did have a credit line of {$8000.00}. I never applied for any credit from Sears and the account was attached to an address across the country where I have never lived. I initially disputed the account with the credit reporting agency and was told that Sears claimed the account was mine. I proceeded to call Sears to dispute ownership of the account. I was assured by no less than XXXX different people from customer service, fraud, and credit assistance that the account was indeed closed and that absolutely no charges could be made. I asked to see the application for the opening of the account and was told that was not possible. I was told that I would receive a letter stating the account was closed but after three attempts, a letter never arrived. 

I viewed my credit report XX/XX/XXXX and saw that the account was indeed still open but had only a {$2000.00} credit line. I called Sears and was told that their " investigations '' department had reviewed the matter and since there was no balance on the account they reopened the account and reissued a card to the address I have never lived. I have to admit, by this time I was livid because I was being treated like I was trying to get out of paying debt when in fact there was no balance on the account. I asked how they could reopen an account that someone claimed did not belong to them and was treated very rudely. After going round and round with an associate from the fraud department by the name of XXXX, I was told that it was n't fraud it must have been my account and he transferred me to another customer service associate who once again told me the account has been closed. I was told again that I would receive a letter stating the closure, but once again I have still not received. I once again asked to see the application for the account and was denied. 

I want this account removed from my credit report for all XXXX credit bureaus, as well as the address across the country it is attached to. It is not, nor has it ever been my account. I want to see the application for the account because if someone has signed my name to open an account I need to initiate the correct legal action. Currently, I am at the mercy of Sears hoping my credit remains safe because I can not be sure the account will remain closed and more cards will not be issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint about XXXX  credit reporting agency. I recently submitted a dispute with them in regards to my XXXX  mastercard. It is marked on my credit report that I was more than 30 days late ( which is incorrect ). Today XX/XX/2020 I received a report with the investigation results. It shows my previous activity then shows the results after the dispute. ( They are the same ) yet it notes that there were some changes. Due to some work loss being laid off from work due to the corona virus I had lost some work. My company had closed. I immediately contacted XXXX XXXX and advised them if they can work something out with me as far as payments till I return to work. I was told I can participate in a 3 month program where my interest rate will be lowered and my payments would be lowered. I stressed over and over that I don't want this to be reported to the creditors as late I was assured it would not be as long as I made the monthly payment. I even made more than what I had to make. I am still be marked as 30 days late. Which in turn is affecting my credit score in a very negative way. I contacted XXXX XXXX  and told them the issue and was advised again that the 30 remark would be removed and corrected and was given an apology for the error. It was never removed. I was then told dispute it with XXXX  again. Well trying to submit a dispute online I can't do. There website keeps coming up with error message. I am upset that due to national disaster and loosing work affected my credit score like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Product: Credit card

Capitol One is unable to verify information listed on my credit file. I spoke to XXXX representatives at Capitol One and neither one was able to verify the information being reported by the XXXX CRA. On XXXX/XXXX/15 aprx XXXX. I called Capitol One at XXXX .Customer Service Rep XXXX Stated he was not able to verify any old statements or verify the date of first delinquency. On Monday XXXX/XXXX/15 a Customer service rep stated I would receive a return call from Capitol One to discuss the account the next day. I was not contacted by anyone from Captiol on
Product: Mortgage

I was working with a lender ( XXXX XXXX ) from KeyBank and trying to get a mortgage through them. The lender advised that he was getting us on a no money down loan and a grant of {$5000.00} to help with the closing costs and furnishing the home. After the application process was started I was advised I did not qualify for the grant. The lender continued with the application as requested. Lender took {$500.00} for an appraisal application fee to have the home appraised. It was then brought to my attention that there was an issue with the homestead exemption, which should have been caught prior to this application being submitted to underwriting. The lender kept advising me one thing and then would tell me realtor another thing. The line of communication with the lender was all very closed. In fact, he blocked my number and stopped responding to my realtor. The lender advised me that if I could not show a specific amount of money in assets there was nothing he could do to assist. The lender admitted on multiple occasions that he missed something or messed up when it came to my application but did not want to rectify or try to assist in any way. He kept asking me to provide money I contiously advised I didn't have. Once the lender was advised I was going to work with another lender all communication stopped and I was emailed a denial letter. The lender has refused to refund my appraisal application fee even though the appraisal never happened, nor was ever even scheduled. He stated it could be held on to and applied towards another loan, but there is no other loan with that bank.
Product: Credit card or prepaid card

This is a new issues with Citibank N.A. and I have sent the ethics department copies of the promises made by Home Depot to credit the credit care for the purchase for what was done to me on XX/XX/2018 by the delivery employee that damaged my existing dryer making the washer delivery I bought from Home Depot. This was after the issues of HOME DEPOT Charging me the wrong applaince never delivered, locking me out of the credit card account and not given me the full credit. The combined issues is why HOME Depot in writing promised to credit me XXXX to the credit card, send me a check for XXXX and later some e-card. I sent this to Citibank N.A. ethics but they are ignoring it not the issues with the first complaint. I was in tears when the was done to me on XX/XX/2018 and called HOME DEPOT CORPORATE OFFICE AND CALLED UPDATING THE ftc and cfpb. Ms. XXXX made the promises in various emails, the written document and phone voice messages. Later, I found out reading emails that lead me to look outside at night and found they sent me a ups mailer with personal information thrown over the fence in the dirty by the neighbors over the locked gate.