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

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated XXXX XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX  ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating XXXX XXXX per the XXXX opinion.
Product: Debt collection

I emailed the Thomas Agency about 2 duplicate reports on my XXXX credit report from them and requested them to email me back as I want everything in writing. They proceeded to call me and left a message to call them back. I sent another message and advised I wanted an email back to keep everything in writing and have not heard back. 
They recently reported 2 separate accounts twice with the same balances and same dates.
Product: Checking or savings account

On XX/XX/ I called my bank to open a merchant dispute for 4 transactionsamde with my debit card on XX/XX/XXXXXXXX   for an ammount of {$61000.00} Merchandize not received, I bought XXXX XXXX XXXXXXXX XXXX and must be delivere on or before XX/XX/ Couple of days ater the claim was opened I got provisional credit for only one of the four trasnactions. So I called the bank and they told me that the claim was open as " fraud '' and only for 1 onf the 4 transactions. So I requested to fix that issue and the bank said they will call me back, something that never happened. 
Today XXXX  XXXX I been dealing with the bank by phone more than one hour, the call has been transfered 5 times and finally the call was disconnected, then called for second time and nobody answer.
Product: Credit reporting or other personal consumer reports

Between late XXXX and early XXXX, I fell behind on my Kikoff account during a period of medical and financial hardship following the birth of my child. While I take full accountability, I reached out to Kikoff in XX/XX/XXXX to request a goodwill adjustment for the late payments after bringing the account current in full. This is a common courtesy many creditors extend under the Fair Credit Reporting Act. I made it clear I was not disputing the accuracy of the report, only requesting consideration based on hardship and repayment. 

Kikoff repeatedly responded with generic scripts, avoided answering my direct request, and refused to escalate to a supervisor or anyone authorized to make credit reporting decisions. Their representatives either misunderstood or chose to ignore the nature of a goodwill request, falsely implying that removing late marks is illegalwhich is simply not true. The FCRA allows creditors to stop reporting derogatory remarks at their discretion, and many do. 

As a consumer actively working to recover, repair my credit, and qualify for a mortgage, their refusal to even escalate this request feels punitive and dismissive of my efforts. Im asking the CFPB to review Kikoffs unwillingness to offer any resolution, despite a clear and common path being available, and to hold them accountable for failing to act in good faith.
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to these accounts below. Thats on my credit report and is affecting me tremendously. I am a victim of identity theft and I had my information compromised which is the reason why these accounts are appearing on my credit report. These accounts are truly affecting me a lot because they are not mine and I should not be responsible or accountable for something that was opened up without my knowledge. Im sure you guys would not want to pay for something that you have no knowledge, did any business with nor had any service from. I should be in process of getting a home sometime this year of 2024 and even get promoted in my job which requires a credit check. Im trying to get my life in order, being a victim is not easy. its extremely stressful and very detrimental to my mental health. I will be attaching a FTC report with the XXXX that was given to me when I filled out the form and I will also be attaching my identification card and my proof of address required by what I read in the Consumer financial bureau of protection website ( CFPB )
Product: Vehicle loan or lease

on XX/XX/2020 I called Santander Consumer USA to find out options about my car loan and the debt since the call is recorded I explain the Telephonic Agent the situation that New Yorkers and the whole world about the Pandemic and the struggles to handle hardship financial matters how can be possible that they are charging interests and fees during pandemic? 

I had to sign another extension in order to get the account current, which in the mean time for 3 months all the interests an fees will impact financially the budget of my family and will be stuck in a loan that never decreases the level of debt how can that be possible for any parent to negotiate that unfair agreement during pandemic banks and corporations are hurting peoples credit in this unfair money game to the citizens of the united states of america
Product: Debt collection

We occupied the townhome for two years XXXX XXXX. Every single rent payment was made on time, we took the utmost care of the place staying in close contact when repairs were needed and vacated with the exterior and interior in excellent order. 
The security deposit in place was {$3500.00}. We received a refund from XXXX of {$940.00} on XX/XX/XXXX after the landlord, inspected the property on XX/XX/XXXX. On XX/XX/XXXX, an additional {$50.00} check was disbursed to our name, once the landlord confirmed the garage door opener had indeed, been returned by us. Both checks were deposited into our account. Despite this reduced deposit at final accounting, the landlord reopened the account at the end of XXXX we received a demand letter for {$1700.00}. 
In the XX/XX/XXXX report by the landlord, XXXX  % of the results are marked satisfactory. In the column for items the landlord marks action needed are considered normal wear and tear on the walls and baseboards. We had the unit cleaned by a professional service. Our maintenance service manager and a commercial painter spent time in the townhome patching walls touching up any cosmetic issues. 
The charges in the amount of {$1700.00} are not in line with the condition of the unit and the terms of the lease. Furthermore, these are unsubstantiated and baseless damage claims against our deposit should be reprehensible. 
A letter arrived from the debt collector on behalf of the landlord XX/XX/XXXX saying we had the opportunity to respond by XX/XX/XXXX in writing to dispute so I responded in writing on XX/XX/XXXX. On XX/XX/XXXX, we were sent to collections and the {$1700.00} is considered " valid. '' Please let us know should you like us to furnish documents and photos from our records for your review and consideration. We hope to resolve this matter promptly!
Product: Vehicle loan or lease

Recently, I took the lease vehicle in for a possible trade in. The dealership contacted US Bank to get the payoff for the vehicle. US Bank has given the dealership two payoff quotes that on contingent on if they ( dealership ) will take my new lease back through US Bank. The difference between what they quoted is over {$14000.00}. Which makes it virtually impossible to get of their lease. At the time that I signed my contract, no of these practices was explained or documented during the transaction. 

It is not fair to me as a consumer to have to pay a higher payoff amount than what the truck 's original MRSP was at the beginning of the transaction. I purchased this truck in XXXX of XXXX from a dealership in Michigan. Since then, when I first thought about leasing another vehicle ( XXXX ) US Bank only gave on payoff notice to the dealership. 

If they have changed their practices due to the market changes with used cars that should have been communicated to the customer.
Product: Checking or savings account

I reached out to Citibank 's dispute department regarding unauthorized transactions that originated from a dormant XXXX account. XXXX conducted an investigation and confirmed unauthorized account access for XXXX transactions in another country. 

These unauthorized transactions ( about 10 separate transactions totaling over {$600.00} ) caused my Citi checking account to overdraft, thus causing an NSF fee per transaction. 

XXXX reversed the transactions, but due to the negative fraudulent Citi  balance, my credit was offset. 

I filed fraud with Citi, spoke to numerous supervisors and was assured that they would reverse all fees and fraudulent transactions, as they confirmed with XXXX the unauthorized activity. 

About a month went by and I hadn't heard any update, so I called around XX/XX/2018 to check the status. I was informed that my checking account had been closed due to negative balance. I escalated to a supervisor, who confirmed that the actions that were supposed to be taken on the account were not completed. 

This supervisor assured me that I would receive my refund via check within a few weeks, and assured me that she would fully notate the account. 

I honestly forgot about the refund until recently. I called customer service and apparently they have no notations of any of my calls, or any records of disputes being filed. 

They are saying that since my account is closed, there is nothing that they can do. 

I requested for my previous calls to be reviewed, as numerous supervisors confirmed that I would be reimbursed. 

I am highly disappointed by how this situation was handled. My account was erroneously closed because of a negative balance that was due to fraud. Also, supervisors offered assurance that the issue was rectified, but now apparently the hours I spent on the phone were in vain, as there is no trace of my contact. 

I am requesting my previous calls to be reviewed, and for my amount to be reimbursed, as this is a breach of verbal contract made by the supervisors on behalf of the institution. Please review.
Product: Mortgage

Request Statebridge close the negative late payment listed at the credit bureau 's because it has been past seven years. Account listed since XX/XX/ XXXX
Product: Credit reporting or other personal consumer reports

The below inquiries were made illegally and unauthorized on my credit file. I did not request, agree to or allow the below companies to run my credit whatsoever. I am requesting the immediate removal of all inquiries listed expeditiously. 

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 XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letter after letter and filed dispute after dispute on a few items on my report to Equifax. Every incident they are reporting that the dispute remains because it was verified by data furnishers. I have sent letters to request proof of their verification process and to send me a copy of the proof bearing my signature that the account belongs to me that these data furnishers have provided to them that makes them refuse to correct the disputed error. They always send a computer generated last page of the report about how they receive their information from data furnishers
Product: Checking or savings account

XX/XX/2022 : Requested a domesitc {$620.00} wire transfer from XXXX by Goldman Sachs to linked account. 
Domestic wire did not occur. 
Got voice mail and email from XXXX XXXX from XXXX XXXX Goldman Sachs XXXX " Hello, this is XXXX calling from XXXX XXXX Goldman Sachs XXXX XXXX XXXX to reach XXXX XXXX XXXX We can please call us back at XXXX. We are open XXXX any representative that answers the phone will be able to assist you just advisor of returning an out call. '' However, called on Friday, XX/XX/XXXX, representative could not find office/department for me to resolve the issue, issue was unknown. 

Called back on Mon, XX/XX/XXXX, XXXX, XXXX would not provide his name, after XXXX requests. XXXX, XXXX would also not transfer to supervisor, kept trying to find office/department who called me and emailed me. 

Finally, I don't believe XXXX XXXX is a supervisor, but updated phone number and XXXX called me to verify my gender and country of residence. 

Wasted over XXXX hours of time dealing with this situation because of XXXX by Goldman Sachs incopementence and lack of accountability. 

Waste of time to ask me to call back when no one at XXXX by Goldman Sachs ( XXXX ) can help XXXX. 
Waste of time to leave me a message, but not provide a reference number or what call is about or conerning. 
Waste of time to call and for XXXX rep to know what office or department called me. 
Waste of time to talk to XXXX who would not provide his name after being asked directly XXXX times. 
Waste of time to request to speak to a supervisor and for XXXX to still try to find the department which he was never able to do. XXXX minutes on phone for incompetence. 
I really don't believe XXXX is supervisor at XXXX, and believe she was possibly covering for XXXX because she provided no other evidence of being a supervsior. Lack of transparency and accountability. She only agreed to review call after I asked, not before. 

For XXXX, he also said he was a supervisor, but I don't believe him either. 
I also believe that XXXX provided a false statement when I said the only options to provide feedback to XXXX was through a supervisor, and a mailed letter, and he didn't even take a moment to listen to my question about any regulatory body for XXXX  as a banking institution. Thus, this complaint. 

XXXX asked what I wanted to accomplish. 
To not have XXXX waste XXXX hours of my time, however, this was not done. 
To have my domestic wire completed in a timely manner, it was not done. 
To have XXXX provide his name when asked, this was not done. 
To have XXXX have transferred me to a supervisor when asked, this was not done. 

XXXX by Goldman sachs fails at it's mission : https : //www.marcus.com/us/en/about-us Our mission is to help you make the most of your financial potential at every moment. 

To whoever reads this, would this behavior be acceptable to you or anyone you know?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached XXXX FTC reports with inquiries I did not authorize, Please also update my personal info and revise the letter sent with an account reporting inaccuracies that also needs to be deleted
Product: Mortgage

Some time prior toXX/XX/XXXX, I reached out to Wells Fargo to inquire about why my mortgage was not being reported to the credit bureau. Because I had been in a bankruptcy, they stated the loan needed to be reaffirmed ( which speaking to an attorney, that was not accurate because we completed a loan modification prior to my Chpt XXXX being converted to a XXXX ). At any rate, the suggested if I refinance, then it would be reported. I said ok. They started the application process XX/XX/12. I paid for my credit to be pulled, only for them to tell me I didn't qualify because of my bankruptcy and another factor. That doesn't make any sense. It impacted my credit file and cost me and now we're back to the original question ... WHY IS MY MORTGAGE NOT BEING REPORTED? I want this resolved and my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION refuses to update XXXX paid charge-off accounts. On XX/XX/2021, I recorded Transunion XXXX XXXX on a recorded line verifying that the XXXX and XXXX accounts both have a " XXXX '' balance. After nearly XXXX minutes of conversing, Transunion agent refused to process my dispute or give me a confirmation number ( XXXX ) for my dispute. 

Transunion refuses to update the statuses correctly and has really caused my credit scores to suffer and credit denials to rise. 

In XX/XX/2021, I voluntarily paid XXXX chargeoff account XXXX XXXX and XXXX chargeoff account XXXX, in full. Since then, I have contacted XXXX & XXXX in vain on numerous occasions requesting that they either update their inaccurate data ( chargeoff status still remains ) or delete the account ( it is now paid in full ) that is currently reporting to the credit bureaus. 

Both companies have sent information that they are indeed reporting the status correctly.
Product: Credit card

To Whom It May Concern, I am writing to demand the immediate blocking of certain items that have been inaccurately reported on my credit weed report due to identity theft, pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) .I have previously submitted an identity theft report, including a detailed Federal Trade Commission ( FTC ) Identity Theft Affidavit, where applicable, a police report. Despite these efforts, there seems to be a delay or refusal to block the fraudulent information from my credit report.

The details of the disputed accounts are as follows : DISCOVER BANK account number XXXXAccording to the FCRA, you are required to block the reporting of this information within four business days of receiving my identity theft report and to promptly notify the furnisher ( s ) of this information that it has been blocked due to my status as an identity theft victim.Despite having a payment history, which is a point of contention, these accounts are not mine, and the existence of payment history does not validate the fraudulent nature of the accounts nor should it prevent the application of my rights under the FCRA.Enclosed with this letter, please find copies of : The FTC Identity Theft AffidavitThe police report and proof of my identity. Failure to comply with the FCRA can result in legal consequences, and I am prepared to take further action if necessary to protect my rights.Please send me written confirmation that the information has been blocked and provide me with an updated credit report to my address listed above.I trust that you will treat this matter with the urgency and seriousness it warrants. You may contact me for any further information or verification at the phone number or email address provided.Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Product: Mortgage

My home loan is serviced by Shellpoint Mortgage Servicing. On XX/XX/XXXX I submitted a Qualified written request to Shellpoint via their email address XXXXXXXXXXXX, I did not receive a confirmation of receipt within the mandated 5 days. On XX/XX/XXXX I re-sent the Qualified Written Request to the same email address, this time I requested a delivery confirmation and read receipt from my email service provider both of which I received. I have previously sent correspondence through the email XXXXXXXXXXXX and it was received by Shellpoint. 

As of today XX/XX/XXXX I have not received a written confirmation of receipt from Shellpoint or a response to the issues I raised in the QWR. 

Per the CFPB web site the lender/servicer has five days to confirm receipt of the request and 30 days to provide a written response. 

I would like the CFPB to assist me in getting a response to my request.
Product: Payday loan, title loan, personal loan, or advance loan

I filed a pervious complaint against this company for their predatory practices. I set up an additional payment to be taken from my account on XX/XX/year> and my regular payment to be taken out on XX/XX/year> my account is and has always been set up on autopay and the company normally takes payments out on those set dates. My payment were not taken and tet my account was marked as past due. I have never had a delinquent account with this company, I reached out to them because my online pay option was also blocked. The online chat representative said it was because I filed a complaint against them. Now my account looks delinquent when I did my due diligence and set my my payments before the due date. It seems as if this company is trying to punish me for filing a complaint against their predatory practices further proving that their practices are not on the up and up. Best advice I can give is do not borrow from this company ever!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax CFPB XXXX responded on XX/XX/2021 : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. 

The mailed results have not been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has shown incorrect personal information on my credit report that has cause at least one merchant to deny me credit. Experian is listing my single family residence as a hotel or commercial location, which it has never been. 
In XXXX of this year, I went through the dispute process with them, provided copies of bills, etc, showing this to be my residence, and they sent me a notice that they had resolved the issue. 
I have now been turned down for credit again, for the same reason, and upon checking my Experian credit report, I see that they are still calling my residence a hotel. 
I am unable to get anyone at Experian to talk to me about this, and I need help to get it resolved.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX  XXXX Balance Owed : {$290.00}