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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and Transunion credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please repair and update these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed two several credit inquiries that I find to be problematic. 
1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX 5.XXXX XXXX XXXX 6.XXXX  XXXX XXXX  XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX 9.XXXX XXXX XXXX XXXX 10. XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX  XXXX 13.XXXX XXXX XXXX 14.XXXX  I contacted these Companies and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.
Product: Credit card or prepaid card

I am writing to whom this might concern, This has been occurring since XX/XX/2023. 
I am utterly disgusted and quite furious at the way Credit Karma treat their customers. I am a XXXX XXXXt with a XXXX year old, and might I add we live ten hours away from home. My account has been locked four 6 days now, with no explanation as to why, just no humanity. Im not sure if Credit Karma is robotic or just lack plain empathy but I am here to tell you, those guys have screwed the wrong person. No doubt I am most certainly will not be a customer of Credit Karma once my account is unlocked but I have reported Credit Karma to legal aid and the better business bureau. I have also filed a police report. I have sat in the dark with my child for four days because I cant pay my bills, you guys have and are costing my livelihood because of an quote on quote, investigation. I have had to steal food and candles for my daughter just to survive, next will be an eviction notice, I cant even pay my wifi bill which my job is ran by the internet, and I cant pay it because Credit Karma have and are withholding my funds. Next, I will be fired. With nothing and not to mention it is over 100 degrees. This is illegal as XXXX, and no business is bigger than the law. This is down right filth of a company and theirs no telling how many other families are suffering or have suffered due to Credit Karma shenanigans business. This wont be end of this. Credit Karma can not do that.
Product: Debt collection

On XXXX XXXX I requested a validation of debt from synchrony bank for a {$1700.00} charge-off I requested the following be included : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed? 
They received the letter XXXX XXXX via certified mail. On XXXX XXXX I received a collection notice from XXXX. On XXXX XXXX I reached out to XXXX requesting validation of debt again. On XXXX XXXX I was told there would be an investigation and that my validation of debt will be sent to me. On XXXX XXXX I received a letter from synchrony bank that included three billing statements .Nowhere in this letter did they provide proof the debt was mine, where I agreed to pay, What was paid, nor did they provide right to dispute or that it was an attempt to collect a debt. I also didnt recieve any contact information other than the address it was from. I requested documentation twice from two different points of representation and have yet to receive it.
Product: Debt collection

Bayside capital ( XXXX ) threatening me with lawsuit. Lawyer is handling my bankruptcy case and all communications are required to go through them. They should not be calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has violates my rights according to XXXX. AVANTE USA did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my XXXX rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter disputing an account on my credit report. The account was XXXX XXXX  account # XXXX. I explained to Equifax that the credit history for XXXX was incomplete. I told them specifically that the months of XXXX through XXXX and XXXX through XXXX of XXXX were not reporting a status. I received the results of that investigation a few weeks later, and Equifax only updated information that was already correct on my credit file. However, Equifax ignored my initial complaint that the credit history was incomplete for those months mentioned previously. I spoke with a representative at Equifax named XXXX, and he said that we only report what XXXX XXXX  sends Equifax. I feel that Equifax violated my rights under FCRA15 code 1681 ( i ) which states : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
The Fair Credit Reporting Act is clear on what the responsibilities of the consumer reporting agencies are, when a consumer like me has disputed inaccurate and incomplete information. I have attached the following documents, a copy of the dispute letter to Equifax, the results of my dispute with Equifax dated XX/XX/XXXX, a copy of free annual credit report showing that Equifax is reporting this to other credit agenies, and a copy of my Equifax credit report dated XX/XX/XXXX. These items that I have provided should show that Equifax did not do a reasonable investigation, but merely parroted what XXXX XXXX  communicated to them.
Product: Credit card

There was a charge made on my card on XXXX on my card at XXXX XXXX  for {$1000.00}. I did not use that card at the time and was not checking it. I disputed the charge in XXXX when I saw it I called and opened a claim telling them it was not me. 
They supposedly did an investigation and said the charge was me and put the amount back on my card. I called and disputed it again. Told them to send me a signature proof or images of me making the purchase since I was physically not possible for me to be at this location to make the purchase and it was not mine. 
They said they would look into and and I just received my statement and they put the amount back. 
Its not me. What can I do
Product: Debt collection

Despite the cease and desist letter I sent Maury Cobb Attorney at Law on XX/XX/XXXX they have continued to call me on a daily basis. I have asked them to stop calling, I have explained to them that I wish to dispute the charges, because I do not owe XXXX  money. I also requested direct information from the debt collectors so I could email the letter they claim they didn't receive and they refused to give it to me. They also refused to allow me to speak with the attorney they allegedly work for. in an attempt to get the collections to stop I have also called XXXX  and they just keep forwarding me to the wrong collection agency. They have turned me into 3 different agencies each time I have explained that I wish to dispute the charges and they just send another agency to me to collect. XXXX XXXX XXXX  and XXXX XXXX each sent one letter and when I called and discussed the issue with them they respectfully stopped all contact. XXXX XXXX Attorney At Law has continued to contact me they have even called my parents. I can provide a copy of each of these letters if needed. I have been carefully documenting this issue since the receiving the first letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I sent a check to XXXX for XXXX knowing I would have a small balance left on my mortgage. Almost 30 days later I received the check back without an explanation. I called and spoke to XXXX ID # XXXX he said if I paid over 80 percent of my mortgage I would have to pay the mortgage in full. He gave me the pay off amount and I sent a check in XX/XX/XXXX for XXXX. Almost 30 days later I received the check back without any explanation. I called and spoke to XXXX ID XXXX. He told me that the check needed to be certified and gave me a new payoff amount of XXXX which was XXXX more. I asked if they could waive the increase and was told it would take 30-90 days. A supervisor by the name of XXXX XXXX XXXX was supposed to get back to me but never did. I was under a time restraint sent the certified check in for XXXX. Today XX/XX/XXXX I found out the XXXX reported a delinquency on my credit report for the month of XX/XX/XXXX. I called them and was on the phone for 3 1/2 hours. I spoke to XXXX XXXX, XXXX ID # XXXX, XXXX ID # XXXX, XXXX ID # XXXX and XXXX ID # XXXX who finally told me to call XXXX XXXX in the abundsman department. She asked me to email her asking for a courtesy credit adjustment. She advised me it could take up to 15 days because management had to review it. I asked her if I could speak to someone in management and she said no I would have to wait to hear from someone. I am trying to obtain a new mortgage and need this resolved in a timely manner. It's unbelievable to me that common sense of them receiving money and sending it back to me, the stress of taking 3 months to pay off my mortgage because of their " policies '' which were never clearly communicated in the first place and then they ( probably a computer generated program ) reports a delinquency which effects my credit score. How easy would it be to say - Yes I see that we kept sending the money back. I am very sorry. I will correct your credit report right away. I'm sorry. No, that was not the case. It was exhausting. Please help. This is a time sensitive matter and I should not have this effect my credit because of their incompetence. Thank you.
Product: Debt collection

ATTN : CFO NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Collection agency Midland Credit Management violated 15 USC 1692 ( d ) ( 2 ), 15 USC 1692 ( e ) ( 2 ) and also 15 USC 1692 ( k ) violated my privacy and federal law which has caused me to be denied extensions of my credit for personal and family, or household purposes. It is also causing mental anguish and severe stress. I did not have a contract with Midland Credit Management! I did look up Midland Credit Management and many lawsuits were filed against them
Product: Checking or savings account

So opened a New Bank Account In XX/XX/2022 in Citibank XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX  NY XXXX Because my dad had past way in XX/XX/2022. He had XXXX Bank Accounts a saving and checking in Citibank. In the XXXX he put me As a beneficiary. So I open a new account under my name. I presented the Documentation that the bank ask me for like XXXX XXXX, his iDs, and my ID and my birth Certificate, and my Dads bank statements.. before I opened the account the Rep of Citibank had verified with their legal team before they handed over my dad funds. Which their legal team said I enough to prove to withdraw the funds which I did.and open the accounts Checking and savings account. When the funds got cleared I started withdrawing money from my account to pay funeral expenses, hotels, Documentation and travel expenses. My XXXX XXXX XXXX XXXXXXXX XXXX Around 20 days later Im having trouble taking out money from my account. I found out my that Citibank restricted my accounts checking and savings and their are closing my accounts within 60 days of the letter.. whatever funds that I had in account they will be mailed to me, but if I wanted my funds sooner I should call or go branch.. I called and went to branch.. they I had wait XXXX and XXXX hours that was XXXX weeks ago.. as well the letter said that fraud activity and need to get verified, I did that. They ask me how I did get the funds to fund account. I told I am XXXX on my XXXX savings account.. they told go back to branch that i open my account to speak with them. I went over there and they did speak with representative that open my accounts. Spoken to few Citibanks Representatives try to help me, tried escalate the matter, written XXXX emails and no response from person that is handling my case. Im getting the run around. Telling they cant do nothin only send email.. this is why I decided to file complaint to see if you get answers .. this adding to much on plate with my XXXX XXXX XXXX XXXX XXXX XXXX. It to much stress.. need to pay XXXX expenses and other things he left unpaid So please help me if need proof paper work, pictures or video, I would gladly send them to you.. I reported to FDIC but they told your institution supervised Citibank
Product: Mortgage

After a year and a half working with HSBC mortgage on a loan modification, I was told that my modification was denied due to insufficient income. I filed an appeal and was denied a second time. In speaking to one of the representatives, I was told that my expenses exceeded over {$7000.00} per month which is incorrect. I was also advised by my counselor that my interest rate increased in XXXX 2016 from 3.25 % to 4.25 %. I was never notified of an interest rate change. During the modification process HSBC refuse to take my mortgage payments and now I am over {$25000.00} behind and facing foreclosure. This is my second time filing a complain, my first case was closed without any resolve.
Product: Mortgage

I paid off my mortgage to OCWEN. They were supposed to send me the balance of my escrow account. Their represented stated that I would receive three checks. I only received two. They owe me {$130.00}. They ignored the attached letter which I sent certified and received a signed delivery receipt. 
XXXX XXXX Tel. XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After the major Equifax breach was finally recently reported to the public, I accessed their website, to see if my CC info was stolen. 
The site advertised " We have provided a tool on this site for you to determine if your information was potentially impacted by this incident. '' However, there was no such tool, only other advertisements to sign up for protection services, to get a credit report, etc. Undoubtedly fees would be involved. 
There is apparently no way to directly check to see if my CC # s were stolen. 
This is pure BS, of course. There is nothing an individual can do about this. Meanwhile company management dumped their Equifax stock immediately after they realized what they had let happen, having failed to install safeguards after previous incidents. 
Only the CFPB can do anything about this. 
Thanks for letting me rant. 
Please help us!
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my Transunion credit report, I noticed a few unauthorized credit inquiries that are reporting on my credit report. After many attempts of removing these unverifiable inquiries, they remain on my credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau in question, Transunion, is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that are posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract accompanied with my signature ) that Transunion has on file for the accounts listed below. Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified inquiries must be removed and if you are unable to provide me a copy of verifiable proof, the account list below must be removed. 

I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX, VA XXXX XXXX/XXXX Inquiry Date : XX/XX/XXXX XXXX/XXXX  XXXX XXXX, FL XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX, FL XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed that there was a hard inquiry from XXXX XXXX on my Trans Union credit report. I haven't had my credit polled in over two years I never authorized, gave permission or signed an application to have my credit polled, I mailed a certified letter to XXXX XXXX  and Transunion and they were both received by them on XX/XX/XXXX. I asked for this hard inquiry to be removed after an investigation was done, and to provide proof that I applied for a loan, and for my credit to be pulled.. I never received any information from either place. I received an adverse action letter from XXXX XXXX, and that is all communication that I've received from them!
Product: Credit card

In XX/XX/XXXX, Goldman Sachs locked me out of my Apple Credit Card account due to a bankruptcy flag placed on my account. The issue is that I did not file bankruptcy. I have an authorized user on my account who filed XXXX XXXX bankruptcy in XX/XX/XXXX. I have contacted Goldman Sachs 4 times to resolve this issue. The customer service reps and supervisors have all said they are going to escalate the issue / case to get it resolved. As of XXXX XXXX, no progress nor resolution has been made on the account. Meanwhile, my credit score is suffering because Goldman Sachs is reporting that my account is past due and over the limit. They will not allow me to make a payment which only further impacts my credit rating. Maintaining good credit is a condition of employment with my current employer and Goldman Sachs is jeopardizing that. An investigation needs to be launched into their business practices that prevents timely resolution to such issue.
Product: Mortgage

This company has been very deceiving. I received statements staying i was up to date with my loan for two to three month. Then i received a call stating that i have an agreement which i do not, and that i was behind. Then after the call i received a statement with a different amount. This is very confusing and deceiving and it 's damaging my credit, one month they report i am on time and not behind, then the next month they report foreclosure status all while i have been paying my monthly payments according to my statements. They need to make a forensic payments investigation with the underwriter department. In the state of MD they are required by law to send intent to foreclose and i never received such notice. I checked my credit and it was updated to foreclosure proceeding started on XX/XX/XXXX that 's how i know. They are illegally practicing collection efforts and taking advantage of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has incorrect hard inquiries on my XXXX, Experian, and XXXX  credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX XXXX XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my XXXX, Experian, and XXXX report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed incorrect information on my credit report from Merchants Credit Guide. Tried disputing with all 3 credit agencies but information still hasnt been removed. I spoke with Merchant Credit Guide regarding all 5 accounts and provided documentation from my insurance company showing accounts paid in full prior to going into collections. Creditor verified payments received and information will be deleted from my credit reports. Accounts will be removed and reappear after some time, I also spoke with the original provider who stated they have no information on file for me with me having an outstanding balance. Whenever I try to upload my documents when disputing the information isnt being reviewed properly. I want the accounts removed from XXXX, XXXX and XXXX.