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

received letter from Barclays XXXX XXXX XXXX XXXX DE XXXX on XX/XX/2018 letter dated XX/XX/2018 letter states that they have pulled a credit report from XXXX   consumer reporting agency and that the reporting agency with report they have lowered my credit limit and the reasons they give have nothing to do with being late nor information that they listed on the report. nothing has changed since i applied for credit card and also have had the credit card for years all ways paid on time no lates paid card off several times to XXXX   1.balance and they even showed the following : which i find isn't correct 2.deragatory public record or collection filed= which i have none 3.proportion of loan balances to loan amounts to high - which this card balance is higher now due to getting a cash advance to purchase home in florida 4.proportion of balances to credit limits too high on revolving accounts- this is very untrue 5.length of time accounts have been established- same amount of time on accounts with some new accounts and paid off items. 
in addition they lowered and pulled credit report which made score go down and they state its because of that as well. 
I am very concerned as to why this was done especially when i have never been late nor misused this credit card, ( my husband had barclay card as well and they sold off his account to XXXX ) so this is just really difficult to understand why after all these years and charging the card up and paying off and no lates they are lowering my credit line? and adversely affected my credit score by their decision when i haven't done anything to deserve the way they have handled this for " What Cause '' I find this is fraudulent and unfair as to their practices and card holders are ones that suffer the consequences of having a card with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 Accounts listed on my credit report are not mine and I have reported this problem to your company, I have even provided proof and still these accounts are still listed on my credit reports. I have filed identity theft reports and police reports and several complaints with the CFPB and I still am not getting any results. I am being penalized for these accounts and I didnt open them or utilize them.
Product: Student loan

XXXX Consolidated - Subsidized XXXX Consolidated - Unsubsidized The loans above went into default with the XXXX over 2 years ago and they transferred it to servicor, Navient - long story short I defaulted with them as well. For over a year I have been trying to set up a payment plan, but was informed by Navient that after I defaulted with them - they sent it back to the XXXX. Which to date - they have not been given access to this loan - it does n't show up in their computer system - it shows up that Navient still has it. And when I call Navient - they say its no longer in their system. After going back and forth for almost 2 years, I eventually hired an attorney and contacted the XXXX - we thought we had a solution, but now - 8 months after contacting an attorney I am back to square XXXX. The loans are in cyber space and neither Navient or the XXXX have access to it - therefor I ca n't make a payment plan or make any payment towards the balance. Its been in cyber space close to two years. I have once again tried applying for a mortgage and was denied due to this loan. I need help and it seems everywhere I turn - there is no solution.. Please help.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and 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 XXXX 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. 
XXXX XXXX XXXX XXXX XXXX : {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have violated my rights as a consumer. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX Auto XXXX, XXXX XXXX. 

15 USC 1681 section 602 A states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave authorization for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED BELOW DO NOT BELONG TO ME SOMEONE USED MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS AND TO FILL OUT FRAUDULENT APPICATION ( INQUIRES ) IN MY NAME THEY MY SOCIAL SECURITY NUMBER AND PHOTO ID I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  XXXX  & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

" XXXX XXXX XXXX XXXX '' ( the creditor ) apparently rented property to someone with the same name as I or someone purporting to be me in the past. The creditor won a court judgement against my namesake on XX/XX/XXXX for {$8000.00}. During the period the property was rented, I lived & worked overseas on a foreign employment contract. I filed my taxes from abroad and the contract is well documented. I have no relationship with the creditor, have not lived in California since XXXX, and never in XXXX XXXX County. The creditor used a law firm named XXXX, XXXX, & XXXX XXXX to contact me about the debt. They allege I owe {$12000.00} due to accrued interest. I contacted the law firm and told them the debt is not mine. They refuse to provide any evidence of the individual using my name who rented the property, including driver 's license copy, social security number, and signed lease agreement. Someone either stole my identity or the creditor and their law firm have the wrong person with whom I share a name.
Product: Credit card or prepaid card

I received several e-mails from Capital One ( specifically on XX/XX/2021, XX/XX/2021, and XX/XX/2021 ), inviting me to " see if I was pre-approved '' for one of their credit cards. Notably, Capital One offered that doing the above would have " no impact on my credit scorXXXX. '' On XX/XX/2021, I accepted the above invitation, entered some information, and was informed that I was, indeed, " pre-approved '' for one of their credit cards, and was invited to apply. 

Moments later ( XX/XX/2021 ), I did, indeed apply for a Capital One credit card, and was immediately told that my application was denied. Additionally, I now have at least one additional " pull '' on my credit history, which I would have very much preferred not to have had, particularly if I knew that I'd be denied for the card I was invited to apply for.

Capital One 's practices ( at least with me ) appear to be deceptive, fraudulent, and predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Mortgage

I applied for a FHA streamline refinance with Amerisave mortgage on XX/XX/2021. The rate and terms seemed good. They charged an upfront {$500.00} fee. 47 days into the process allot has come to light. 47 days for a streamline refi??? Another lender informed me that FHA does not allow for a refi until 3 consecutive payments have been made on a mortgage coming out of forbearance like mine had. I had completed a forbearance with current mortgage company in XXXX. No Payments were do in XXXX or XXXX That means when I applied with Amerisave I had only made one payment. Yet they still took the {$500.00}. All this was disclosed at the time of application. All this was disclosed during the process at different stages. Add in that I was switched to a new loan agent without even a notice. I only found out from an automated email asking to call if I wanted a mortgage. Loan processor indicated there was a debt to income problem for this FHA streamline refi. Even though income is not verified or considered. Original loan estimate said that about XXXX was needed to close. Today I was asked to verify XXXX in checking account. For what reason I have yet to know but I am assuming it is for closing. This has been an utter disaster. I am not sure if the loan agent was poorly trained or they take peoples {$500.00} no matter the case and then string them along till they go away. I have requested a refund. No answer as of yet
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 6802 ( b ), the financial institution ( XXXX ) that are furnishing said inaccurate information never clearly and conspicuously disclosed that I have the right for my nonpublic personal information be reoprted to no affiliated third parties, therefore these reports are inaccurate and are causing damages to my personal self, my family, and household. Furthermore, The credit reporting agency never did an investigation with me the consumer to check if these transactions actually took place. Therefore, proper investigations were not met according to federal regulations and these inaccuracies on my consumer credit file are being reported without my written consent to do so. XXXX deleted XXXX ( XXXX ) accounts that were allegedly investigated and validated, which resulted in the reports being deleted because of their inaccuracies. There is now a debt collection being reported onto my credit file along with a closed installment loan that was deleted and has been placed back onto my file. XXXX is being negligent and noncompliant to my requests, as I have been in constant attempts to resolve these matters. I have not received any correspondence from XXXX and I have proof to show they removed these accounts from my credit file and have reported them again without the lawful authority to do so predicated upon there being no actual validation of these alleged debts. 

The reports they said they removed have been replaced onto my file and I have taken more injury and damages to my credit file without my written consent or thorough investigations. 

This company has not contacted me and I have not been able to get an agent on the phone to assist me with these matters. I am still awaiting correspondence from XXXX, but my file is still taking damages due to inaccuracies being reported without my written consent. 

The banking system is dependent upon fair and accurate credit reports that are equitable to the consumer. These reports are unfair and inaccurate, thus not beneficial to me, the consumer.
Product: Credit reporting or other personal consumer reports

I have NO knowledge of this account. I was in the 2017 Equifax data breach
Product: Money transfer, virtual currency, or money service

Coinbase will not close my account and delete my login info. I have followed all the procedures that they have told me to follow and my account remains active. I am still able to login. My personal info remains on their site.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today on XX/XX/25 I spoke to two representatives both who questioned me while sick and while I lost my job due to my illness questioning me about my future. 

They have failed to document my account with the facts for years which is that I never graduated XXXX due to a recession, false information provided by the school, and XXXX giving out more loans than they knew I could actually pay back.. those are the facts.. they have been harrsssing me for years even while Ive been sick they have harassed me.. I wish for them to no longer contact me unless it is documented. I also would like a full record of the communication transcripts between me and their representatives because I plan on matching it up with my documents and using it fully against them. And they can also take me to court .. and Im not talking about small claims court either.
Product: Credit reporting

I needed the year of birth corrected on Transunion file. I called the customer service, they directed me to a fax number which is not working, nor ringing, it is always engaged. I complained they asked me to send a letter in writing, they said allow 5 business days for the transaction to process, I am concerned because I 've already sent a letter, but they claim they have no way to acknowledge when they would receive it, simply stating to me that when there processing department does, they will update. I am just frustrated because they are not offering any confirmation when they received my documents XXXX copy of request in writing to update my year of birth including copy of drivers license ) I would be appreciative if you can put pressure, this is affecting me in getting a loan approved. I will attach here what I have sent to Transunion at XXXX. XXXX XXXX XXXX, PA XXXX
Product: Mortgage

Suntrust sent the WRONG statement for XX/XX/XXXX ( for the 4th year in a row ) after I paid my escrow shortage. They took so long to send the correct statement that I did n't pay my mortgage for XX/XX/XXXX until the end of the month. As I always do, I added additional principal to my payment so now I need suntrust to sent a CORRECT statement for the amount due XX/XX/XXXX showing my payment for XX/XX/XXXX, the higher principal amount due and the lower interest amount due. I have asked repeatedly but they refuse to send a correct statement which I do not understand and they refuse to provide any customer service without going through a third party. They are completely incompetent and unprofessional and I need them to do their job and send me a CORRECT XX/XX/XXXX statement IMMEDIATELY. I should not have to keep asking.
Product: Money transfer, virtual currency, or money service

I am writing to formerly express my concerns regarding Zelle handling of disputes properly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial Institute is Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these funds was unfeasible. The CFPB findings indicate. That Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving userss vulnerable to scams this lack of accountability is unacceptable raise this serious concerns for consumers safety.
Product: Mortgage

This should be added to complaint number XXXX already filed on XX/XX/23. 
We have sent them three monthly payments, XXXX, XXXX and XXXX in the amounts of {$1300.00} ( Original payment {$1000.00} plus {$310.00} for escrow ) and they DO NOT apply anything towards the actual house payment of {$1000.00} which now has us in default. The argument is with the additional escrow they want NOT the house payment.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal and blocking of specific information from my credit report as a victim of XXXX XXXX, specifically debt bondage. This request is made pursuant to section 605C of the Fair Credit Reporting Act ( FCRA ) and the guidance provided by the Consumer Financial Protection Bureau ( CFPB ). 

As outlined under the XXXX XXXX XXXX ( 12 C.F.R. 1002.142 ( b ) ( 4 ) - ( 7 ) ), I request that TransUnion take the necessary steps to immediately block and delete the following inaccurate or fraudulent accounts from my credit report : Accounts to Be Blocked and Deleted : 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 XXXXXXXX Additionally, I request the removal of the following inaccurate phone numbers associated with my credit report : Phone Numbers to Be Removed : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I am also including a letter of support from an advocacy group, which verifies my status as a victim of human trafficking and debt bondage. Under section 605C of the FCRA, TransUnion is required to block this information from my credit report within four ( 4 ) business days upon receipt of this letter and the accompanying documentation.

Enclosed Supporting Documents : A letter from an advocacy group verifying my victim status. 
A copy of my government-issued identification ( e.g., drivers license ). 
I respectfully request your prompt attention to this matter and that you provide written confirmation once the accounts and phone numbers have been blocked and deleted.
Product: Debt collection

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report.The following account JEFFERSON CAPITAL SYST ( Account XXXX Original Creditor : XXXX. Date Opened : XX/XX/year>. XXXX {$3100.00}. I have never had an account with none of those companies.Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX XXXX XXXX and I do not have any contract with JEFFERSON CAPITAL SYST. I am writing to express my dissatisfaction with your recent attempt to collect a debt from me, the following account JEFFERSON CAPITAL SYST account number XXXX, regarding a purported overdue balance of {$3100.00} allegedly owed to XXXX. This account is fraudulent and does not belong to me, I have attached an FTC report along with this document. I am requesting the following 1.Immediate Cease of reporting this alleged debt to any Credit Reporting Agency 2.A formal apology from JEFFERSON CAPITAL SYST for the violation of my rights under the FDCPA. 3.Compensation for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}. 4.Reimbursement of any legal fees incurred in addressing this matter. ( Please see attachments )
Product: Credit card

My issue is that my credit card account was frozen, and then closed. My checking line of credit account is frozen. My checking account was frozen ( It is current unfrozen, but the lack of response from the company leaves me little faith in them going forward ) I received no notice as to why this has occurred. I have sent in the documents I was asked to send in upon my calling their XXXX and speaking to a front line Customer service representative. I have never been able to speak with or communicate with in any way the " person '' who is supposedly asking for these documents. Time line and events will be attached. ( too many characters. )
Product: Credit reporting or other personal consumer reports

Hard inquiry that I did not authorize from XXXX XXXXno account was opened, but the inquiry was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has unintentionally released my credit information. I am on the potential list of victims who 's information was compromised in a hack. 

In addition, when offering service to further protect me from fraud, Equifax has hidden language in the EULA agreement that I can not sue personally or join a class action against Equifax.
Product: Credit card or prepaid card

Someone open a credit card account at Target. I never apply for a credit card. I called Target to report.
Product: Credit reporting

I received a letter from XXXX on XX/XX/XXXX letting me know that they had asked the XXXX reporting agencies to " delete the account ( s ) from your credit report. '' Good deal -- that 's what I had requested of XXXX. XXXX and XXXX quickly complied with XXXX 's request. EQUIFAX would n't delete the account even though I disputed it twice in XXXX and XX/XX/XXXX and sent the letter from XXXX to them twice. I need help in getting EQUIFAX to comply with XXXX 's request to delete my account.
Product: Bank account or service

I had an account with Wells Fargo for XXXX yrs. I had a checking account with a savings account. On or around XXXX of 2015 I was on a XXXX in which I had {$2000.00} in my accounts. Some how I got a {$5600.00} charge and knowing I would have to work out a settlement with the cruse line. But Wells Fargo completed the transaction causing me to be over {$3600.00} in the negative. I had no money in over draft protection and in the past if I had a {$100.00} pre authorized payment and only {$90.00} in my account it was declined. ( always ). Never have they paid any transaction if I did n't have the funds available. 
I went to speak to my branch manager he called the main office and they to him it was a mistake on there behalf but nothing they could do nothing about it. 
Resulting in closing my account and keeping me from being able to have a checking account with any financial institution. 

This type of business is unjust. 

Thank you for your help in this matterXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX dispute Transunion Subject : Dispute of Inaccurate Information in My Credit Report. 

XXXX XXXX this debt is being reported as a charge off. However this is actually considered income because I should have received a 1099C form in the mail in order to account for this as income however it is being reported as a charge off I am requesting that this is removed because this is not debit this is considered income and should not be reporting on my credit report. 


Discrepancies in comments ( e.g., " Charged off as bad debt ). 

Transunion Subject : Dispute of Inaccurate Information in My Credit Report. 
In North Carolina, the statute of limitations for debt is XXXX years from the last activity on the account. This means that creditors have XXXX years from the last payment to file a lawsuit to collect the debt TransUnion : Date opened XX/XX/year> TransUnion : High credit reporting $ {$1300.00} TransUnion : Credit limit reporting $ {$1000.00} Date Last Active reported as XX/XX/year> Date last payment reported as XX/XX/year> Closed date reporting as XX/XX/year>
Product: Mortgage

In accordance with the Trial Period Payment Agreement signed XX/XX/2021, XXXX XXXX XXXX XXXX is in violation of this agreement. This is formal notice of violation of said agreement. Refer to page 2, bullet point one. 

" Any pending foreclosure action or proceeding that has been suspended during the trial period may be resumed if you are notified in writing that you failed to comply with the terms of the trial period plan or do not qualify for a permanent modification. You will receive notice at your normal mailing address for receiving notices from us. '' Resumption of the foreclosure action was to take place if proper notice was given, yet XXXX XXXX resumed such action without sending proper notice.
Product: Credit card or prepaid card

Discover Card received a copy of my bankruptcy discharge notice from the United States District Court District of Minnesota on XX/XX/2020 informing Discover Financial that all of my debt with Discover has been discharged in bankruptcy court under Chapter XXXX. Discover Card is in complete violation of The Equal Credit Opportunity Act ( ECOA ) under federal law for credit discrimination by denying my application for approval for a Discover Secured Credit Card on XX/XX/2020.