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

I am concerned about the validity and accuracy of your recent investigation of the accounts reporting on my consumer report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Three months ago, I requested an investigation because these items are not being reported accurately. I received communication stating that your investigation was complete. As per 15 U.S.C 1681i ( 6 ) ( B ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information. This would include but not limited to : 1. The name of the agent you spoke with to confirm the accuracy of what you are reporting as well as the name of your agent that spoke with said party. 
XXXX. The time and date on which the communication took place. 
XXXX. All if any certified documents reviewed to conclude your investigation. 
XXXX. A complete copy of all of the information transmitted to the data furnisher as part of the investigation. 
XXXX. Proof of your timely procurement of certified documents. 
XXXX. Copies of all correspondence including any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the accounts in question. 

In accordance to 15 U.S.C.1681i ( 7 ) A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

A template response will not be acceptable. Take note, these erroneous entries have been detrimental to my overall credit rating and have caused me severe financial and emotional distress.
Product: Credit card or prepaid card

I have been getting charged a monthly interest rate for over a year. I just now realized this, because I have been making multiple payments, and the credit limit still gets higher. 
I checked my account, and they are constantly raising the interest rate on my credit card. 

When I first signed up with Citi Cards, I was not made aware of a monthly interest rate. It was only advertised to me that this credit card will only cost me {$99.00} a year to keep ( besides the regular charges and payments ). 


I tried to have my credit re-instated, but the representative with Citi was not really helpful. 


Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a written dispute to Transunion on XX/XX/21 via certified mail. The dispute was indeed received and signed for by them on XX/XX/21. Not only was any of the information in the letter that I disputed, removed, or updated, I never received any letter from them regarding the disputed items. It has been 6 months and the disputed items still remain on my credit file, and still to date I haven't been contacted regarding my dispute. I have attached a copy of the dispute letter that was sent, as well as the Signature of receipt to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX  it w as decreed in a divorce I that ow ed 1/2 of the total amount of {$2500.00} due to Target. Keeping in mind I NEVER signed up for a Target account t o begin with. I was added by my wife at the time without my knowledge. On  XX/XX/XXXX  I  was ordered by a judgement of contempt to pay  my 1/2 of the Target Card, after sending payments to my ex-wife 's attorney that never made it to Target. I paid my 1/2 of the {$2500.00} on or around  XX/XX/XXXX  At whi ch point I should been removed and the remaining balance should been placed solely in the party 's name. I contacted Target several times regarding this account and was told I was removed. I have been dealing with this inaccurate and fraudulent information for over 7 years now and want it removed or at least reported correctly showing my balance of  XXXX  paid in full. All  XXXX   Credit  reports bureaus say they only report what the original creditor response with and the original creditor " Target '' is reporting this wrong. Update I recently found out that the ex-wife filed bankruptcy i n  XX/XX/XXXX fil ed bankruptcy that I was unaware of, but somehow got added by Target. Also On the credit reports it shows the new husband as the joint on this debt not me.
Product: Credit reporting or other personal consumer reports

I am disputing inaccuracies on my Experian credit report for the following closed accounts : XXXX XXXX XXXX XXXX XXXXXXXX ( Account ending in XXXX ), XXXX XXXX XXXX XXXX ( Account ending in XXXX ), and XXXX XXXX XXXX ( Account ending in XXXX ). These accounts reflect late payment entries that I believe are either inaccurate or unverifiable. Despite being closed accounts, these entries contain the following discrepancies : The XXXX XXXX XXXX XXXX XXXX account reflects seven late payments, which I believe may be inaccurately reported due to inconsistencies in payment history. 
The XXXX XXXX XXXX XXXX account shows two late payments with no explanation or supporting documentation provided. The XXXX XXXX XXXX account lists one late payment without verification or justification. Under the Fair Credit Reporting Act ( FCRA ) Section 1681i ( a ) ( 1 ) ( A ), I am entitled to a reasonable reinvestigation, including supporting documentation from the furnishers. However, no such documentation has been provided to verify these late payment entries, which constitutes non-compliance with FCRA regulations. This incorrect reporting is negatively affecting my credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I initiated a complaint with a credit reporting agency regarding discrepancies in my credit report which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to follow up, the agency has refused to conduct an active investigation into the matter. I contacted them multiple times via phone and email to request an investigation, but each time, I was either ignored or told that no investigation would be conducted. This refusal to investigate is a clear violation of the FCRA, which mandates that consumer reporting agencies must investigate disputes. I am seeking the CFPB 's assistance to compel this credit reporting agency to comply with FCRA laws and investigate this matter thoroughly. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Payday loan, title loan, or personal loan

I send bill pay a XXXX payment monthly and I can't contact them about balance or amount owe in the beginning and now I keep sending monthly payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX no bill no record as to where the funds are going what my balance is to date no reply web site closed down
Product: Credit reporting or other personal consumer reports

I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to tI strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.his matter is highly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern my student loans that i paid off show up on my credit file on XXXX  but not transunion or XXXX. I would like to be updated so it shows I pay off my things on time and so that my age of credit can be accurate. I also have a XXXX XXXX XXXX  of my cousins i am a authorized user on that has still not been updated to my credit report.
Product: Credit reporting or other personal consumer reports

Kikoff is a credit building company. They guarantee to help you build credit to increase your credit score. They are not reporting monthly to credit bureaus like they promise they would. My balance is {$100.00} but on my credit report it is showing {$140.00} and it hasn't been reporting to XXXX since XXXX.
Product: Debt collection

I have disputed this thru XXXX and they still will not remove this account. The original creditor is a XXXX XXXX Hospital. I do n't live in XXXX and I 'm not really sure I 've even drove anywhere near there let alone went to a Hospital there.
Product: Student loan

The Pennsylvania Higher Education Assistance Agency, which operates under the name XXXX XXXX, allowed simple bureaucratic errors or omissions in the mismanagement of my XXXX   grant. 

This mismanagement resulted in the conversion of my XXXX grant into a loan that must be repaid with accrued interest. This is despite the fact that I was meeting the programs XXXX requirements ( XXXX   high need subjects in XXXX XXXX ). The actions of this company have jeopardized the final futures of many XXXX   across the country. 

I contacted XXXX about the error in not sending me my XXXX   grant paperwork directly by mail electronically or physically, and their reply was that their database showed differently. After sending the paperwork in, and having multiple back and forth dialogues with different managers, I contacted XXXX and was told that it was too late. I was told I could appeal and I was later contacted by a XXXX representative who told me more of the same. 

I was told that their systems had shown that they had done all they were supposed to do, and that I was now responsible for the converted loan. I explained to the XXXX representative that I would be contacting the Department of Education ( DOE ) Ombudsmans office regarding the handling of this matter. In an unconcerned fashion, I was told by the representative that I should contact the DOE Ombudsman. 

The U.S. Department of Education Ombudsmans office offered no relief to my dispute. I spoke to a manager who informed me that I did not have to wait on XXXX to send me any paperwork, and that as long as I informed them, they were responsible for changing the status of my XXXX  Grant. Armed with this new information, I resent my paperwork and contacted XXXX who again had reached the same decision that it was too late.
Product: Mortgage

I called Roundpoint mortgage on XX/XX/2022 to update my excess payments to be applied to principal balance. I was showing as next payment not due until XX/XX/2022. They assured me action would be taken and excess amounts would be applied. They said they would email me within a few days. I did not hear anything. I called again on XX/XX/XXXX to follow up. The case had been closed because it was not properly assigned. Reopened issue. The policy on back of the statement states " Excess payments, also known as partial payments, made will first be applied to overdue payments, then to late charges and other amounts owed under terms of your loan, then to amounts specified in your payment instructions, then up to one future payment, and finally to reduce your principal balance. My current statement shows next payment not due until XX/XX/XXXX. I called Roundpoint again today. Issue is still not resolved. I explained that I want all excess payments to go towards principal. Next due date, will be paid on XX/XX/XXXX. I do not understand why they are not following their own policy.
Product: Prepaid card

On XX/XX/XXXX XXXX XXXX  I received a letter from Bank of America stating that my claim had been resolved in my favor and the amount of {$17000.00} was in my prepaid edd card account. Since it had already been over 2 yrs since I had filed the claim I no longer had the edd debit card so I went ahead and ordered a new card. Once it arrived I activated it and I went to the Bank of America ATM and withdrawled {$1000.00}. Then I proceeded to go to XXXX. I went to the pharmacy and made a purchase, during this purchase I did enter the pin in wrong 2x. The purchase went through the 3rd time. Then I went shopping at the same store immediatly after my first purchase. Once I got up to the register and swiped the card for my purchase it was declined. I called the number on the back of my card and they said they would have to verify me first. After being transfered the lady said she couldnt verify me by my phone number so she asked for my email which is the same email that they have on file and have been sending monthly statements to for over 2 yrs now. She couldnt verify me with that either. I was told that inorder to get my money that I have been waiting on for 2yrs now that I would have to go into the bank with 2 forms of ID and get verified by a bank mananger. I told them that I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and thety told me the only other option was to sign over a power of attorney to someone so they could go in the bank and get my account unlocked. This is not right for BofA to just lock my account when no my transactions were not fraudluent and I had verified everything from deposits made to purchases made. I need my money and I have waited long enough.
Product: Credit reporting

This complaint is to address the validation of information on my credit report obtainting to a Chapter XXXX bankruptcy that shows filed in 2010. Transunion is showing information on a bankruptcy filed in 2010 with an Indiana Bankruptcy court to which I have no recollection of this information nor do I agree that it is accurate. I have been mailing and faxing documentation to Transunion requesting information on this account to which they have not provided nor validated this account. I have also been in contact with my local clerks office and the court that they list on my credit report and have recieved documents from them. These documents state that they do not validate this information and they do not provide information to the credit bureaus. I have asked that they show me documentation on the process they have used to validate this information is mine to which I have not got a response too. This company fails to validate this information and now will not allow for me to continue to investigate or dispute this information. Please look into this validation of information and correct the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE bank is reporting a credit card account on my credit reports that are NOT mine. I have reached out on several occasions requesting proof that I am an XXXX or owner of the corporation who the account was opened for. They have yet to provide such proof. In addition their employees are misinforming and breaking CHASE policies listed on their website. Only an owner, XXXX of the company or XXXX with POA can open an account. I have also written to the credit bureaus requesting this account be removed from my credit report as it has damaged my EXCELLENT credit history.
Product: Mortgage

Good Evening. My name is XXXX XXXX and my mortgage was sold to Selene Finance from XXXX. I apologize we because I do not know the exact date it was sold. However, it was sold while I was in Bankruptcy. At the time I had a certain date to have my home caught up and when it was sold I was caught up. However, Selene said I was not and basically, I was forced to take a modification that locks me into a XXXX  year mortgage modification. I have been in my home since XXXX of XXXX. The first scam was them saying, I was not caught up. The 2nd was this XXXX  year modification. Then " multiple '' times once my payments were made it was then reversed. This is the 3rd fraud. I have literally gone through the worst and hardest time with this company. Now, I am seeking help outside... hopefully, from you all. I am no longer in Bankruptcy as of XXXX. I've been making my payments. Trying to keep my credit score up and once again this company is reversing payments, applying all my payments to Escrow and making it seem as if I am not paying and now affecting my credit score in a negative way by reporting me as late. I am exhausted!! I am making payments and having to call and defend myself. This company is a Scam. If you XXXX Complaints about Selene there are many others in the same situation as me. Making payments with our hard earned money only to be reversed and unexplained. PLEASE HELP ME!! This should not be happening! I have been going through this again since XX/XX/XXXX. I made my payment, they put it all on Escrow. An agent told me it would be reversed the next day. Today is XX/XX/XXXX and it is still not reversed. Now, I am being affected negatively once again. Please help me or lead me to someone who can. Thank you. 

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

This is my NUMEROUS 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 following 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 that are causing my score to drop : 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 XXXX
Product: Credit reporting

XXXX is continuously re-aging the accounts on my credit report and Equifax continues to report credit account. per FCRA XXXX is in serious violation of repeatedly adding the account to my file. They are trying to ruin my credit score.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and I noticed that XXXX XXXX was reporting. I have never signed a contract with XXXX XXXX. If there is a contract in place, then someone at the Dealership forged my signature. I never purchased any vehicle from XXXX. Please assist me in getting this account removed from my credit file. This account is showing on all 3 of my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern I am filing a complaint on these items that are incorrect and I also have a few hard inquiries that I did not authorize. I've been disputing with TransUnion since XX/XX/XXXX. They did not remove the hard inquiry. Also, they did not update or removed the chargeoff that is inaccurate on my credit report. 

I did not authorize XXXX XXXX XX/XX/XXXX I did not authorize XXXX XXXX XX/XX/XXXX The XXXX- Account XXXX XXXX is reporting inaccurate on my credit report the date opened is not XX/XX/XXXX and the date of last activity was not XX/XX/XXXX so therefore I want this deleted from my credit report for not having the correct information reporting. 

I feel as they did not follow the FCRA laws and did not do a complete investigation on these accounts. All I want is to be treated fairly and get these accounts off my credit report.
Product: Consumer Loan

To : Whom it May Concern at PNC Bank " '' I spoke with someone from your office ( XXXX or XXXX ) stating that my late payment would not go through until XXXX XXXX, 2016 and would not leave my account until XXXX XXXX, 2016. He told me that mine and my CO-signer, XXXX XXXX 's credit scores would not be affected from this delay since I was prompt in fixing the misunderstanding. His credit was above XXXX and now as you can see with his printout it is now at XXXX. I also spoke with XXXX in your office this morning regarding disputing this credit score change. Please let me know if you have any additional questions. Since the payments have been processed as of XXXX XXXX, 2016. I ask that his credit and mine not be affected by the misunderstanding. " '' Thanks, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX my card was compromised and someone charged my card numerous amounts of unauthorized charges. 
In the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive reached out to my card company server all times to dispute that this was unauthorized and they havent gotten back to me about whats the solution.
Product: Mortgage

NewRez Mortgage Co states that I am missing a payment but the money has been deducted from my account when I try to call I get fast busy signal Payment out of checking account XX/XX/XXXX, XXXX On XX/XX/XXXX, at XXXX XXXX, NewRez Servicing XXXX wrote : This is a courtesy reminder that Newrez does not have a record of receiving your current monthly payment. If you have not done so yet this month, please sign in to your online account to make this payment as soon as possible. You can also call us at XXXX to make your payment via the automated line. 

Sincerely, Newrez Servicing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the valid proof of contract as well as other information listed below. The Proof of contract must be original and certified copy of a authenticated original contract with my signature, specifically XXXX XXXX as the company entitled to enforce this reporting to my credit. 
Company : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date Opened : XXXX Date of Last Payment : N/A Date Closed : N/A Date Reported : XXXX I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : 1. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file.

2. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report. 
XXXX. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved immediately for which this is the 3rd attempt for your company to provide all requested information. Your company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report.
Product: Debt collection

Upon checking my credit report I noticed that a fraudulent collection account was placed on my credit report. The collection company is called XXXX XXXX XXXX ( XXXX ) for {$72.00}. I called the company but they could not verify anything.
Product: Debt collection

California Business Bureau is reporting a collection account that it is not mine to the credit bureaus. I had XXXX XXXX XXXX contact them on my behalf and they have failed to respond back.