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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following information is inaccurate or incomplete and needs to be removed immediately : XXXXXXXX XXXX I recently seen my credit report and I have a charge of account written off 15 USC 1692k . The information was sent over to a collection agency. Also I didnt receive a 1099C form. according to the fair credit reporting at you have violated my rights with fraudulent action. In addition 18USC 1028 aggravated identity theft 15USC 1681b permissible purpose FCRA section 605b 605c and I did make a complaint with the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was not originally disputed, but it is no longer valid. It has been paid in full since XX/XX/XXXX and has had a XXXX balance ever since. I have disputed this report on numerous occasions by phone and in writing, which should not be reason to have it remain on my credit reports. Written request from XX/XX/XXXX and XX/XX/XXXX, through this year have been ignored. I can not get anyone to respond and there has been no resolution. 

I am being penalized on my mortgage loan and need immediate action from this lender by removal of this long since paid off account from all three reporting agencies.
Product: Checking or savings account

I opened a checking account with US Bank on XX/XX/2022. I used the opening account bonus offer of {$500.00}. I met all the requirements of direct deposit and keeping the account open. I was promised a deposit of {$500.00} within 2 weeks of meeting the requirements. It has been over 4 months since I met the requirement but never got the bonus. I called and followed up around 12 times with the bank where I opened the account. They promised me I will get it by early XXXX but I never did.
Product: Mortgage

I received a letter from Loan Depot in XX/XX/2019 stating that I was prequalified for mortgage. Since I wanted to refinance my home to eliminate debts in an effort to lower my monthly expenses, I responded. 
I spoke with a representative, XXXX XXXX, and supplied the requested information to start the process on XX/XX/XXXX. After he reviewed the information he informed me that he would not be able to assist me at this time due to my length of employment. On XX/XX/XXXX I received a call from another Loan Depot representative, XXXX XXXX XXXX, and he stated that he was more experienced with loans having these conditions and would like to proceed with the process. I agreed and provided all required information requested from myself and my wife. XXXX advised us that it would be about 30 days to completion of the process through approval, appraisal, and closing. 
I received and email and a phone call from XXXX XXXX, Senior Account Manager, on XX/XX/XXXX stating that she would be my point of contact through the remainder of this process. On XX/XX/XXXX the loan status stated it was " still under review ''. Since going to underwriting on XX/XX/XXXX and the appraisal was completed on XX/XX/XXXX I requested an update from XXXX on XX/XX/XXXX. The auto response stated she was out of the office so I sent a text to XXXX XXXX XXXX asking for an update. He replied that he would check into the matter. 
On Friday XX/XX/XXXX I did receive a return call from XXXX and I ask again for an update. since the loan status as of today, XX/XX/XXXX, still remains " under review ''. 
She advised me that XXXX had closed the loan file on XX/XX/XXXX. I also questioned why I received an appraisal that contained photos of my home and no appraised value. Her response was, " I don't know ''. I have attached email correspondence reflecting the sequence of events which lead to this complaint. 
I feel all correspondence since XX/XX/XXXX has been misleading and deceiving. Were this a loan involving another ethnicity I believe it would have been approved and funded without all the deception. Since we have been put off for so long any opportunity to secure alternate funding has been hampered.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX are attempting to suppress my Credit Score, Credit Report and my FICO Algorithm by Not reporting ( ACCURACY ) as required under the FTC and you CFPB 15 U.S.C. instructional directives for Fair Credit Reporting Act, section 1681 & 1682. Tradeline, account ; XXXX XXXX XXXX, account ending XXXX balance was paid and there isn't a {$2000.00} balance. XXXX XXXX, loss mitigation with XXXX XXXX XXXX along with the XXXX  of the XXXX XXXX, XXXX XXXX has assured me that they have Reported this account as a PAID, XXXX balance as of XX/XX/year> for which I paid as a XXXX Consumer. Also my Vehicle with XXXX XXXX XXXX is being suppressed as well in it's intentions by XXXX, my high credit is {$27000.00} the balance is {$13000.00}, this is a charge off account, there are No Terms, there's no {$590.00} a month payment due, there's no 60 month. I need both XXXX, Equifax and XXXX to get their Discriminatory knee off my Consumer neck as a XXXX Consumer in their attempt to suppress my Credit Score, Credit Report and FICO Algorithm by Not reporting ( ACCURACY ), I see the threat, but I Fight Back, undo this apparent threat ( you ) the Consumer Financial Protection Bureau. Also there's a Chime account on my Credit Report showing a {$63.00} balance owed, this is a secured credit card, I never had a balance on this credit card, I spoken with XXXX  on several occasions and they've confirmed that they've never Reported a Balance due on this account, XXXX undo your Threat to me personally as a XXXX Progressive Consumer with eyes to see and ears to hear. Also there's an account, XXXX XXXX XXXX, Collection account, Not a other account too, but these criminals are Reporting both in the Algorithm cycle with intentional efforts of suppressing my Credit Scores, but I FIGHT BACK as a XXXX Consumer. Bottom line, XXXX take this Collection account out of the Other section of my Credit Report, I see you and I see what you are doing and attempting, but again as a XXXX Progressive Consumer, I FIGHT BACK like exposing you criminals with the CFPB, I would handle this in Federal Court, but I've got 2 in front of you criminals, see I'm Not interested in these XXXX XXXX and XXXX XXXX  against me as a XXXX XXXX XXXX. XXXX I'm on to your threat and your Game, but leave me alone, Stop with the XXXX XXXX threats, I FIGHT BACK but only in the Courtroom.
Product: Credit reporting or other personal consumer reports

Ive pulled my credit report on both your websites, XXXX, XXXX and XXXX have found some inaccurate information that requires removal. 

XXXX # XXXX is reporting on XXXX credit report 60 days late for XX/XX/2022, XX/XX/2022 and XX/XX/2022. For Transunion and XXXX, it is reporting 30 days late for XX/XX/2022, XX/XX/2022 and XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset over the credit report I recently received! This is totally out of control. This is a written request that you investigate specific items that I believe to be reported in error. 

These items are not correct and are causing me financial and emotional distress because of their derogative nature. 
I don't know where you got the following accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account showing {$0.00} balance but is showing on my report as charged off/unpaid. There is no such thing as a {$0.00} balance. The balance is inaccurate as well as the date of account opened.
Product: Mortgage

THIS IS A SEPARATE ISSUE FROM THE COMPLAINT SUBMITTED LAST WEEK THIS IS NOT A DUPLICATE COMPLAINT Chase is in violation of fair debt collections practices act, acting in bad faith regarding a real estate transaction and CA HBOR At issue is a short sale request that's been submitted and Chase is the 2nd lien holder. The 1st lien holder has approved the short sale and approved all ancillary fees. 2nd lien holders only negotiate the amount that is being paid to them NOT ancillary fees since that does not affect the net they are receiving. These ancillary fees are being paid by 1st lien and have nothing to do with Chase.

Knowing this Chase is illegally demanding the removal a fee approved by 1st lien holder {$5000.00} and a buyer paid fee of {$15000.00}. 

Chase went so far as to demand a contract addendum stating buyer will not pay the fee. This is a violation of a contract negotiation between buyer and 3rd party and is acting in bad faith. It is a violation of debt collections practices act on a fee that is being paid by buyer which has no debt to Chase. It's acting in bad faith because these fees are approved by the senior lien holder and are being paid by senior lien holder and buyer. These are fees they have agreed to and have no bearing on Chase 's input or what they would receive from short sale. 

This egregious, illegal and malicious tactics by Chase must cease and desist immediately. Chase may NOT in anyway interfere with fees that have been approved and are being paid by a buyer and has no effect on Chase 's net.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the ongoing issue of unresolved fraudulent items on my credit report. Despite multiple attempts to remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. 

I would like to provide a summary of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. Immediately, I reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. 

Subsequently, I have made numerous attempts to dispute these fraudulent items by providing all necessary documentation and evidence to support my claims. I have also been in continuous communication with the creditors associated with these fraudulent accounts to rectify the issue. 

Regrettably, despite my unwavering commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. 

These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraudulent items on credit reports. 

I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove these fraud items : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Each CRA has permitted the data furnisher to report in a misleading manner ( using different names phone numbers and addresses for each CRA ) as follows : XXXX : Name : XXXX XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX : Name : XXXX XXXX XXXX Phone : None Provided Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX TransUnion : XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Requests : Each CRA must provide the documentation used to verify the validity of this reporting. 
Each CRA must provide a copy of all information used as the source of this reporting ; also provide the names, phone numbers and addresses of all parties contacted in connection with the investigation. 
This account must be deleted.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX account balance increased Between XX/XX/year> and XX/XX/year>, your XXXX XXXX  account balance increased by {$160.00} from {$8600.00} to {$8800.00}. 

This company continues to report inaccurately on my reports and prohibiting other creditors from considering me when I've applied for credit. 

This debt was included in a recent bankruptcy case that was dismissed XXXX.Please help me with this issue.
Product: Credit reporting or other personal consumer reports

on XX/XX/year>2024 I reported an incorrect information was on my credit report, I asked for verification as well. I also stated that the name that was on their end was not associated with me nor have I've ever been know by the name they have on filed while also explaining I have been a victim of identity theft. I asked it be removed which didn't happen and I never recieved verification either.
Product: Checking or savings account

On XX/XX/XXXX XXXX lock my account, with my funds inside of account. I asked the to release my funds and remove restrictions from my account. They refused to do so, so I asked them to release my funds and close the account and they refused to do that as well. They proceeded to ask me to verify identity. I did this multiples times with several representatives for XXXX consecutive days. They then asked me to upload banks statements, which I also did, but to no avail. XXXX support, then ask me to provide a bank statement for an account I linked to my XXXX account. I explained to them that would be impossible because I created the account less than a month ago, meaning the bank has yet to generate a bank statement. The other bank statement they asked for I uploaded. They are refusing to release my funds because my bank has not generated a bank statement for my new account that was also linked to XXXX yet. I've loss funds and also missed business opportunities behind XXXX refusing to release my funds. I've accumulated late fees for all my bills, as I have explained to them and yet they still will not release my funds or respond directly to my email. I keep receiving the same computer generated email. I am suffering behind all of this even though I've completely verified my identity. There is no way they can say I haven't verified I am the owner of the account. At this point they are making me slip into debt because of unprofessionalism and lack of care.
Product: Student loan

In XXXX of 2015, I receive a telephone call from Citibank to remind me that my student loan is a few days past due so I went online and made a payment. I recall the representative indicated that I should setup the automatic payment so I went to the website and downloaded the auto debit form and sent it in and thinking I 'm set and would not have to bother to login and pay it every month. In XXXX 2015, I received a letter from Citibank indicating that I 'm now XXXX days past due on my student loan and Citibank have reported the late to the XXXX credit bureaus. I scrambled to go online and immediately paid the balance due and request for a copy of my credit report. It in fact shows that my credit scores dropped almost XXXX points which I had from excellent down to good credit. I called Citibank to inquire why there was no emails, letter, or even a telephone call to indicate that I 'm past due on my student loan. XXXX rep told me oh " oh record indicate that we did not notify you '' and then transfer me to another rep when I asked to file a complaint. The XXXX rep said " yes, you were notify of the late '' and I asked him how was I notified. At first he could n't say and then said " we mailed you a letter. '' I have never received an email, a phone call, nor a letter in the mail which I 've often do as soon as my payment is even one day past the due date.
Product: Debt collection

I was checking my credit as I am building it to buy a home, I noticed my credit repoirt went down. Upon further investigation I saw that a company called Asset Care LLC had placed a derogotory mark on my credit for an XXXX XXXX  bill, that when was previously discussed approximately XXXX of XXXX, this should have been taken care of by my health care insurance providor. They said that they would look into the matter and get back with me. I didnt hear anything back from them. I had just aquired a debit consolidation loan to pay off all my debts, so this would have been included in order to clear it, had they gotten back to me. I called them yesterday XX/XX/2021 and spoke to a XXXX XXXX- she confirmed with me that they did infact speak to me over the summmer, I requested them to submit this to my insurance company for payment, she also confirmed that nothing else had been done with the account after that. I again request that they submit this to my insurance company, XXXX XXXX said she would have a detailed bill mailed to me, and they would remove the derogotory mark from my credit. However the damage has been done. I now have to recover 60 points on my credit report that should never have been taken off. Below is a desription of the drogotory information they placed on my credit report. I had XXXX derogotory marks on my credit until this. 

ASSETCARE LLC COLLECTION/CHARGEOFF Other {$85.00} Status Date Reported XX/XX/2021 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX  Account Type Not Reported Responsibility Individual Age Of Account 0 Years, 4 Months Credit Limit Not Reported Highest Balance {$85.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Contact Us AssetCare is here to provide you with more information, answer any questions you may have and help find a solution that works for you. Please let us know how we can help. 
Talk to a Representative : XXXX Automated Payment : XXXX Mailing Address : AssetCare , LLC XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I would like for XXXX XXXX and Transunion to stop sharing my nonpublic personal information. I have already submitted complaints with CFPB for this information being reported. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple of disputes no information provided by the company ( Santander Bank ) is matching any of 3 Credit Bureaus .Enclosed is a reply from Santander . 
Date account opened : Santander XX/XX/XXXX Ex XX/XX/XXXXXXXX XXXX XX/XX/XXXX1 XXXX XXXXXX/XX/XXXX # of Month of terms : Santander XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Balance : Santander {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX Date of Last Activity : 4 different dates, even years!!!!!!!! 
Santander XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!! 
Please examen their own ledger. 

Date of Last Payment : Different Dates and even years!!!! 
Santander XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!! Please examen their own ledger. 

Last time reported : Santander XXXX XXXX XXXX XXXX XXXX XXXX XXXX It means Santander have never conducted investigation and have never responded to XXXX and XXXX. 
Now its even more understandable why all dates and dollars mismatch. 
What is even more interestingly that contract that apparently has my signature on it Doesn't have an account number that Santander Bank refers to!!!!! How do I even know who this account number belongs to??????? 
Immediately delete this account from my credit report according to
Product: Credit reporting, credit repair services, or other personal consumer reports

NationStar Mortgage is showing 1 past due payment amount for XXXX of 2018. Payment was not late from me but was posted late from mortgage company.
Product: Student loan

I have several Student Loans. I consolidated and then other companies purchased the Student Loans and the incorrect balances carried over from XXXX to XXXX to XXXX XXXX and now Navient. I made a payment of {$25000.00} in 2007 and now this payment does not show it was a credit to my Student Loan. Either the Balance was not credited or the new Student Loan company carried over the incorrect balance.
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. This account is XXXX my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number XXXX
Product: Debt collection

My identity was stole in XXXX of 2021. Since then debit has been created in my name. I never lived at XXXX XXXX XXXX XXXX and would like a debit validation letter with the original contract between XXXX XXXX and Transworld Systems as in accordance to the Fair Debt Collection Practices Act. This is fraud.
Product: Debt collection

Credence keeps calling me. They call my cell phone number on weekends and late in evening. I do not have a debt with anyone. I owe no one anything. I keep blocking them they call with different number. I dont pick their calls but they keep calling. I need my peace and privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters with no response