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

Formal Dispute Regarding Inaccurate and Incomplete Credit Reporting for Account # [ XXXX ] listed as XXXX XXXX XXXX XXXX, on my credit report. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], I have the right to dispute inaccurate, incomplete, or untimely information and to expect maximum accuracy in the reporting of my credit information. Upon reviewing my credit file, I have identified the following issues that need immediate investigation and resolution : Issues Identified XXXX. Failure to Report to [ TransUnion/XXXX  ] XXXX This account is being reported only to XXXX and is not present on my [ TransUnion/XXXX  ] report. This selective or inconsistent reporting leads to an incomplete representation of my credit history, potentially impacting my creditworthiness unfairly. FCRA Violation : FCRA 1681e ( b ) mandates that credit reporting agencies ensure maximum possible accuracy in consumer reports. Omitting this account from [ TransUnion/XXXX  ] may result in an incomplete and inaccurate portrayal of my credit file. 2. Delayed or Untimely Reporting : The account shows a Last Reported date of XX/XX/year>, which is nearly a month after the Date of Last Payment ( XX/XX/year> ). This raises concerns about whether the account information is being updated promptly and accurately. FCRA Violation : FCRA 1681s-2 ( a ) ( 2 ) requires furnishers to provide accurate and timely updates to all credit bureaus. 3. Incomplete Account Comments or Notes : The Comments section is blank, with no notation of whether this account was previously disputed or resolved. If there were any prior disputes, the lack of notation violates FCRA requirements to reflect disputes accurately. FCRA Violation : FCRA 1681s-2 ( a ) ( 3 ) requires that disputes and resolutions be reported to the credit bureaus clearly and promptly. 4. Impact of Selective Reporting : This account is only reported to XXXX, and its absence from [ TransUnion/XXXX  XXXX could cause creditors to view an incomplete credit profile. This unfairly penalizes me and diminishes the integrity of my credit report.
Product: Credit reporting or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you of an account that is inaccurately reporting false information. The account in question are related to the creditor, XXXX XXXX. I have contacted the credit bureaus ( Transunion, XXXX, and XXXX  ) on numerous occasions along with contacting the creditor, XXXX XXXX. To date, I have yet to receive a response from the creditor, XXXX XXXX XXXX. Under the Fair Credit Reporting Act, the CRA has a certain amount of time -- - generally 30 days but up to 45 days in certain circumstances to resolve a dispute. If the item can not be verified by the creditor within the timeframe, it will be removed from the report. 

XXXX XXXX has yet to provide a response to my initial complaint. However, XXXX, XXXX, and Transunion continue to report these accounts as derogatory on my credit report due to late payments. I have provided all supporting documentation to Transunion, XXXX, and XXXX  requesting that these accounts be removed. These supporting documentations can be seen in the form of the following : ( XXXX ) Correspondence to the creditor XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ). Since then, the account has repeatedly been updated as charged off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.
Product: Mortgage

City national bank, have put me in a stressful and mentally unstable due to their incompetence with my forbearance. Attached fine the letter they send me offering three month of forbearance I will never except anything from them after 8 month of trying to reach out to them. At no time have they CREDIT my late fees of 200 or more plus 30.00 of property inspection. My loan payment went up due to these fee that I was cover under the forbearance act. At no time the loan manager or their assistants have reach out to me I had to take a loan to pay all that past due amount which was not past due. My credit has also been affected because of the late payment they have managed to destroy my credit. The stress and mental issue they have left me is undeserving at these horrible time we are dealing with. Including losing my job after 14 years due to COVID19. My loan increase 50 more dollars due to all the late fee the escrow acct become -. I hope this is resolved soon. Thank you. 

I cant believe that at no time in this letter offered me all my fees back!!
Product: Credit reporting or other personal consumer reports

Description of the Issue : I am disputing incorrect information reported on my credit report regarding a debt of {$53000.00} reported by Kimball , Tirey & St. John LLP, representing XXXX XXXX XXXX. 

Timeline and Details : XX/XX/XXXX - XX/XX/XXXX : I lived in XXXX XXXX housing at XXXX XXXX, managed by XXXX XXXX XXXX. My initial monthly rent was {$1100.00}. 
XXXX : After notifying XXXX XXXX XXXX that I was applying for COVID-19 emergency rental assistance through the County of XXXX XXXX XXXX my rent was increased to {$2500.00}, a 134 % increase. This adjustment was not supported by any updated lease agreement or proper documentation. 
XX/XX/XXXX : I signed a stipulation agreeing to vacate the apartment. The stipulation included a clause that all monetary issues were resolved, which I interpreted to mean that I would not owe any further rent or charges beyond this agreement. 
XX/XX/XXXX : I received a letter from Kimball , Tirey & St. John LLP stating that I owed {$53000.00}. This amount includes the increased rent and additional charges, which I believe are incorrect. 
XX/XX/XXXX : I disputed the debt with Kimball , Tirey & St. John LLP and requested documentation related to the rental increase. They responded with a ledger reflecting the increased rent but did not address the accuracy of the debt or the stipulation terms. 
XX/XX/XXXX : The debt was reported to XXXX. I disputed the debt with XXXX, but the dispute results confirmed the debt as accurate, despite my previous concerns and the documentation provided by Kimball , Tirey & St. John LLP. 
Actions Taken : I attempted to resolve the issue by disputing the debt with both the debt collector and the credit bureau. 
I requested detailed documentation from the debt collector, but the provided documentation did not clarify or rectify the issues. 
I have sought assistance from various legal aid organizations and tenant law groups but have been unable to find a resolution. 
The incorrect reporting of this debt has negatively impacted my credit report and financial stability. I am seeking correction of this information to accurately reflect the circumstances surrounding the debt and the terms of my lease agreement, including the stipulation that should have resolved all monetary issues.
Product: Debt collection

I had an account with XXXX, XXXX. I closed the account in XXXX, and in XXXX I received a debt collection notice from a third party. After contacting the collection agency to officially dispute the debt I contacted XXXX. After speaking with multiple representatives I was informed that their policy on account closures is to -Obtain a new address -Inform the customer about the final bill -Ensure payment for the final bill amount. 

None of those steps were followed. We moved, set up USPS mail forwarding to our new address, and continued with life. 
XXXX claims they have sent XXXX bills to our old address. None of them were forwarded. The collection agency sent the collections notice to our current address. 

A XXXX representative gave me the number to their collections department, which went to a different third-party agency than the one that sent me the collections notice. 

The stance from XXXX is " We did everything wrong, can not provide you with a transcript of our conversations or a copy the recorded conversations with our representatives, so pay up. '' The collection agency does not respond to any written communication by me regarding the dispute or any resolution. I am currently seeking an attorney.
Product: Debt collection

LVNV FUNDING/ RESURGENT CAPITAL SERVICES is a debt collector and Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including the LVNV FUNDING/ RESURGENT CAPITAL SERVICES. Since LVNV FUNDING/ RESURGENT CAPITAL SERVICES oppressive actions deciding to infringe on my personal privacy, this has harmed my general reputation of credit worthiness by furnishing such alleged debt to the consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Product: Checking or savings account

Last XX/XX/2022, I made two claims for misuse of my debit card in two stores. 

1. In XXXX XXXX for the amount of XXXX XXXX. In XXXX for an amount of XXXX Both operations were reported as unrecognized and fraudulent and the issuing bank ( Bank of America ) refuses to recognize these operations. I repeat, I do not recognize either of the two purchases and for a long time I have been the subject of several fraudulent operations. Also months ago someone has been using my credit information to open accounts in residential complex.
Product: Student loan

I'm not sure if you guys have any information on XXXX XXXX student loan they went out of business but before they did I know there was a big lawsuit against them for fraudulent activity well I originally only borrowed a lesser amount then what is now owed, now is crazy an amount, and almost seems as if my loan was doubled somewhere down the road and I can't get any answers from anyone I definitely didn't borrow the amount that they are now showing I owe ..
Product: Credit reporting or other personal consumer reports

This inquiry is not from me, I would like to see my signature on whatever application they have because I can assure you it was not from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit the XXXX  XXXX account that been under the dispute still remains i sent an ftc report proof of residency and as some companies reported information as accurate i want to inform that i disputed all other addresses on my credit report besides my actual one which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my cell phone XXXX any other information creditor has is wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Federal docket : XXXX ; and the obstruction of justice done by Judge   XXXX XXXX XXXX and XXXX XXXX , XXXX stated to me on XX/XX/XXXX or so that they could not and would not place a freeze on my credit and information in regards to fraud and theft of my identity until I showed proof that I male, my name, social, and other forms to prove myself and a cover letter of why I need the freeze after its been reported and told for fives years now to all relevant government agencies and they did nothing but allow the state of PA., and XXXX XXXX XXXX to break legal code 18 U.S.C. 241 ; 242 with the help of the government. Understanding Donald trump is a graduate of XXXX business school it all adds up to why this has happened and why you all did nothing right or legal towards me yet let a man and this country rob me of my own identity and legal win in federal court while holding me hostage in an apartment building while having people surveillance me and do the most heinous crimes of retaliation and intimidation to me. Further more while attending an emergency XXXX  appointment it popped up in their system that I maybe committing identity theft and fraud against myself until they matched my face and information and saw themselves something was going on therefore thank you all for NEVER doing your job and allowing a man to do this to me with the help of people he knew and threatened to use against me while causing the most harm to me out of his mouth while in state level court. It is furthermore noted that I have reached and submitted to so many offices that I have to wonder are they mentally aware of what they are doing and the jobs they took when they took them but robbed me of fives years of life. From my lates 20 's until XXXX I have been done extremely wrong and I want it made right. You all allowed this to happen and never stopped it even while going through the system. Lastly for a credit agency to tell me over the phone we cant and wont help you with a freeze on my account until you give us what we need to update and cover our tracks is beyond the scopes of legal and shows full guilt that you all messed up. Now XXXX?
Product: Mortgage

I submitted a previous complaint on Ameris Bank on XX/XX/XXXX. CFPB XXXX number XXXX. 

The response I got on XX/XX/XXXX is unsatisfactory and has incorrect information contained in it. XXXX considers the case closed so I'm opening a new one. 

The issue is the grant payments from XXXX are not being correctly applied to my account. Ameris Bank claims that the amount of {$1100.00} was applied to my account on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. That's a total of 7 payments. 

That is incorrect, the payments received on XX/XX/XXXX, XX/XX/XXXX was sent in my electronic transfer from my credit union and not XXXX. I bank statements to show the withdrawals. So I made 3 of the payments myself.

When I checked with HAF they confirmed that as of XX/XX/XXXX they have sent in 4 payments on my behalf. The dates would be XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as near as I can tell. 

I do not believe Ameris bank has applied payments from my personal account or HAF correctly. Ameris Bank states that all 7 payments are from XXXX when indeed 3 of them are from me and the other 4 from XXXX. 

Furthermore, XXXX sent a payment in early XXXX for {$15000.00} to pay off my deferred balance of {$13000.00}. Ameris Bank stated in the XX/XX/XXXX letter they are investigating this with HAF, now we're in XXXX and no response yet. 

Additionally the HAF payments of {$1100.00} for XXXX and XX/XX/XXXX are not credited to my account as of this writing. When I call Ameris Bank they say they have not received them and when I call XXXX they tell me they have been sent on XX/XX/XXXX and XX/XX/XXXX. 

I'm sure there's an answer to this situation, I can not do anything more. I have also requested help from an email given to me XXXX which has not gotten a response either.
Product: Prepaid card

XXXX XXXX first reported card lost to Wisely XX/XX/XXXX - reported first fraudulent charge on this card XX/XX/XXXX - reported additional fraudulent charges on this card totalling XXXX reported more additional fraudulent charges on this card and to ask why charges were still going through on this card. 
XXXX received form to fill out for wisely confirming fraudulent charges late at night. 
XXXX filled out and emailed form confirming fraudulent charges to Wisely totaling {$700.00}. 
XXXX XXXX filled out 2nd form with additional fraudulent charges totalling {$170.00} XX/XX/XXXX called to check on the status of my claim and was told to wait for the letter to arrive. 
XX/XX/XXXX received letter from Wisely stating that my claim was completed and no issues were found so no refund would be given. 
XX/XX/XXXX called Wisely to ask why my claim was denied and was told I had to write another letter stating that I would like information on why my claim was denied. 
XX/XX/XXXX wrote letter and emailed it to Wisely asking for more information on my claim being denied and also why the charges were even allowed to go through after I reported the card lost. 
XX/XX/XXXX I received a letter stating that my claim was denied due to not receiving forms from me in time when I sent them back as soon as I received them from Wisely. 
I would like to know why these charges were even allowed to go through after I reported the card lost. 
Also how could they not be fraudulent when this card was no longer in my possession. 
And how can it be denied for forms not being submitted on time when I returned immediately after I received it in the mail.
Product: Mortgage

XXXX XXXX, 2015 I would like to file a complaint against Citi Mortgage. They refuse to consider modify loan, that I now believe was inappropriate to begin with. I have been trying to get this loan modified for several years. The only reason they will not even consider modifying the loan is because I am not delinquent. If I can not get any assistance, I will become delinquent. I do not want to ruin my credit or become delinquent on the debt. 
When I purchased my home as my primary residence, I was put into an interest only commercial loan by XXXX XXXX ( now XXXX XXXX ) for XXXX % of the loan amount. The interest rate was 5.875. In addition, there was a second mortgage with Citi Mortgage at a rate of 7.5 %. XX/XX/XXXX my loan will change from Interest only to Principal and Interest. I will not be able to afford this loan. In fact, I know believe it was inappropriate to put me in a commercial loan for my primary residence, especially since I have excellent credit. I was sold on this loan not really knowing what and why? 
Over the past several years, I have attempted to get these loans modified. I was told several times that no one would talk to me because I was not delinquent. In addition, it seems I am not eligible for a HAMP because it 's a commercial loan. 
I have tried everything to avoid damaging my credit and losing the property. Since I could not get the loan modified or refinanced, a few years ago, I rented the property and moved with family. The rental income covers the interest only loans, but will not cover the principal and interest payment amounts. I continued to try to get the loan modified to no avail. It was my hope to modify the loans and return to my home. 
When the loan was approved, it was based upon my stellar credit and my household income including my income and the income of my husband. I was told I could refinance this loan. In trying to modify these loans, I have had nothing but trouble because I have never made a late payment. In addition, I am now going through a divorce and my household income is reduced, however, I maintain my stellar credit. I am unable to refinance the loans because the value of the property is less than the loan amount. This is my last effort to try and get some help to modify these loans. I am in a situation at this point that if this modification does n't happen I will be forced to walk away from the home completely and allow the property to go into foreclosure. I know I can pay the modified mortgage amount as agreed. 
I keep getting the run around by rude people that stops my process of saving this house. I would like to modify it so I can move back into my home. I need help, quickly and I am resorting to you as I do n't know what else to do. 
Respectfully XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$7200.00}
Product: Credit reporting or other personal consumer reports

Equifax has a XXXX XXXX on my credit profile. I've called to request this be removed. I've sent in my personal documents, and I request a split file. I'm in the final stages of purchasing my family home. Lenders can not move forward with the process because the Equifax is XXXX. I can not even go on the website. This is holding me up in my home buying process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a letter to Equifax for a free credit report, in which I was denied due to they wanted personal information such as, Driver License, SSN, Utility bill and a pay stub. On XX/XX/XXXX, I sent another letter attached with XXXX   letter proving my information is current and correct. I did received a response from Equifax date XX/XX/2018 stating " We are pleased to let you know that the results of the dispute you recently filed with Equifax are complete. '' I called Equifax and the representative still wanted to verfiy information by answering Multiple choice questions, I was offended plus my credit report was denied to me. I would like to have my free annual credit report from Equifax.