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

Despite multiple attempts, this inaccuracy persists, and I am seeking further assistance to resolve this matter. I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, the late closed account and inquiries remain on my credit report, negatively impacting my creditworthiness and financial standing. This persistent issue has caused XXXX XXXX and XXXX. It is crucial that this inaccuracy is promptly addressed to ensure the fair and accurate reporting of my credit history. I respectfully request a thorough investigation into this matter and appropriate action to rectify the inaccuracy. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. Please help remove these items immediately : 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 XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have charged me 3 times double the amount for my deposit because of my rebuilding credit!
Product: Credit reporting or other personal consumer reports

I am writing to dispute for the 2nd time the following information that appears on my Equifax report as of XX/XX/XXXX : Tradeline # XXXX : XXXX XXXXXXXX XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/XXXX and has a balance of {$9800.00} with 3 late payment delinquencies Tradeline # 2 : XXXXXXXX XXXX XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/XXXX and has a balance of {$8500.00} with 3 late payment delinquencies Dispute Timeline : XXXX XXXX I previously disputed these accounts with XXXX XXXXXXXX online on XX/XX/XXXX with supporting documents stating the following : ''This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this duplicated tradeline error and any negative information in this account immediately. '' On XX/XX/XXXX, XXXX XXXX submitted a response back in writing after their investigation indicating the following : There are no delinquencies reporting for the month ( s ) of ( XX/XX/XXXX - XX/XX/XXXX ). 
Overall, XXXX XXXX failed and/or neglected to investigate the primary credit reporting concerns which is a violation of the FCRA. 

XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and has a balance of {$8300.00} reported XXXX late payments by the creditor. 

Equifax I previously disputed these accounts with Equifax via certified mail on XX/XX/XXXX and no changes were made. However, according to the FCRA, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.
Product: Credit card

My XXXX payments of XXXX were never credited to my account. when i called to question they stated that they sent me back XXXX payment of XXXX when I NEVER requested this. My account is showing negative on my credit report and do not know where my money is at.
Product: Mortgage

Our mortgage was transferred to Selene Finance from XXXX and when Selene bought the mortgage XXXX did not inform them that we were in the middle of a COVID hardship modification.

Unfortunately, we had to start the whole modification process once again with this new lender. We explained on numerous occasions that we were in the midst of a COVID hardship, that I had just recently had XXXX  XXXX XXXX and that we were just starting to receive payments from our tenants who were also behind on rental payments. 

Selene responded to our hardship request by not only INCREASING our monthly mortgage payment from {$3100.00} to {$4100.00} but also INCREASED our Interest Rate from approximately a 4 % ( that we had with XXXX ) to a 7 %. 

Selene 's lack of empathy and GREED took advantage of a very difficult time. 

In fact, we requested that they consider extending the loan to 40 years and WE NEVER RECEIVED A RESPONSE TO OUR WRITTEN REQUEST. 

Based on all of the above, we are filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I started receiving letters, emails, and calls from this creditor in regard to a debt that they claimed I owe. After facing financial hardships, I was unable to keep up with credit card bills. Soon after, my accounts were closed and I was denied access to see any information regarding the account. I had no way to validate the accuracy of the information that this institution claimed I owed. 

On XX/XX/year> I sent Goldman Sachs Group Inc., also known as " Goldman Sachs '', a debt validation letter requesting evidence of contracts, billing statements, plus any securities generated behind the scenes, tax benefits taken, charge offs ( which are income ), and discounts in selling the alleged debt. 

Goldman Sachs did not respond. On XX/XX/year>, I sent them a Notice of Fault and Opportunity to Cure to try to resolve the matter. 

Goldman Sachs did not respond. On XX/XX/year>, I sent a Notice of Default letter. I have not received any of the information that Ive requested. 

Due to the invalidation and unlawful collection of this debt, they have caused harm and injury to me, constituting violations of the Fair Debt Collection Practices Act ( FDCPA ) and warranting damages of at least {$1000.00}.
Product: Credit reporting or other personal consumer reports

I am writing this request to XXXX/SSTATBK that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent and do not belong to me XXXX XXXX account number XXXXxxx openedXX/XX/XXXX XXXX/XXXX   account number XXXX opened XX/XX/XXXX XXXX/XXXX   account number XXXX opened XX/XX/XXXX XXXX XXXX XXXX  + duplicate listed twice account number XXXX XX/XX/XXXX
Product: Credit card

I noticed a " Card Security '' charge on my Amazon Synchrony Credit card this month, and did not recognize it. Upon calling the number in the charge narration, I was informed that this I have apparently been enrolled in this program since XXXX - and being paying for it on every statement in which I've had a balance since then. 

I requested an immediate cancellation and refund. They cancelled the enrollment, but only offered a refund of {$8.00} and change, which is definitely less than what I've paid into this program, even though I never explicitly signed up for it. I have had this card since XXXX and somehow miraculously " signed up '' for this card security in XXXX XXXX XXXX -- which I have no recollection of doing whatsoever. 

I'd like a full refund of everything I've ever paid into Card Security, since I was fraudulently enrolled in a program I didn't want, never utilized, and never agreed to.
Product: Mortgage

I applied for a refinance loan on one of my investment properties through Oaktree Funding Corp ( XXXX  XXXX ). I was approved and received the funds, however shortly after the closing Oaktree sold my mortgage to two other another lenders. Now I have two mortgages from two separate lenders ( XXXX XXXX XXXX XXXX and XXXX dba XXXX XXXX on the same house on my credit report and both are sending bills for the mortgage payment. I didn't get two refinance fund payments I shouldn't be charged for two mortgages. 

I have contacted all three lenders and no one has corrected the problem. Each saying I have to contact the other to resolve the issue. I didn't cause the issue. I believe Oaktree made a mistake in how they processed or transferred the note to the other mortgage companies. 

Oaktree 's error has caused my credit score to decline. I'm trying to purchase a new primary residence and I'm being charged a higher interest rate and have to submit a large amount of money because my debt-to-income ratio is higher because of this error
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is in violation of Florida Statue Chapter 83 Part II concerning me I contacted XXXX XXXX to complain about the serve victimization against me at the XXXX XXXX prior to this debt being submitted. On XX/XX/2020 I contacted the XXXX County Sheriffs department because I was repeated victimized by the management and staff of the XXXX XXXX. I began reporting the issues immediately when I realize employees of the XXXX XXXX now XXXX XXXX were illegally entering my apartment, stealing, eating my food and helping them selves to my clothing and shoes among other things, accessing my computers and other electronic devices. I contacted XXXX XXXX numerous times and reported the issues. After there was no response to my letters or calls, I submitted multiple electronic complaints through their new tenant communication portal for XXXX XXXX XXXX County. I called and left messages multiple times at the corporate office. No one responded. XXXX XXXX waited almost 14 months to submit an invoice for {$3400.00} after forcing me out due to ongoing safety concerns, theft of my property and destruction of my property. The property manager made multiple promises to put a stop to it including changing my locks to digital locks, however nothing was done.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit file from XXXX, XXXX, and Trans Union immediately. 

XXXX XXXX XX/XX/year> XXXX XXXX NA XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

A Genesis FS Card was opened on XX/XX/2022 under my information, however I did not open this account. The card has a balance of {$1500.00}. I have contacted Genesis to report it fraud. I have also reported identity thief with the police dept.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 
4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 
5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. This account XXXX XXXX is a fraudulent account. I previously disputed this fraudulent account and Experian found that XXXX XXXX is inaccurate, incomplete, and had unverifiable information as a result removed this account from my credit report on XX/XX/2023. XXXX days later on XX/XX/2023 Experian reinserted the fraudulent account XXXX XXXX XXXX XXXX Experian failed to comply with FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) and. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
Experian should immediately delete XXXX XXXX XXXX account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern.

Due to the encouragement from Credit Karma my credit profile has suffered. I applied for multiple credit cards under the impression that i would be approved based on Credit Karmas recommendation. My credit report has suffered unnecessary damage as a result of the inaccurate information from Credit Karma. As we all know and understand to many hard inquiries can be devastating to a consumers credit report!!! Please see the attachments. As i have received hard inquires and denials from the following creditors. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 All the pre approvals from Credit karma were misleading and against the CFPB rules. 
The drip campaign of pre approvals for credit cards was unrelenting for months giving me false hope that i would be approved. Mean while Credit Karma knew i was being mislead all for them to make a profit.
Product: Checking or savings account

I received and deposited 2 bank checks into my JP Morgan Chase checking account associated with the sale of US domiciled property where chase bank was the mortgage lender Chase bank also received a bank check from the same financial institution for pay down of the mortgage loan balance. 

Chase processed the check to pay down the mortgage loan within 3 business days but put my checks are on hold for 7 business days. Despite repeated calls to release the funds, chase continues to hold and is not depositing the sum into my bank account. They say they must speak with the financial institution before releasing ( which they presumably have already done, given they released /processed the funds the institution had addressed to Chase ). 

Chase refused to work on resolving the release of my funds unless I remained on hold while they tried to contact all necessary institutions and individuals. I was told if I hang up, they will move to the next case. After 2 hours on hold they tell me they could not contact the institutions and my hold would persist.
Product: Credit reporting or other personal consumer reports

The issue is my late payments are being reported XXXX XXXX XXXX  by XXXX XXXX XXXX XXXX but Congress advises that this information is private since its considered to be transactions and experiences between me and you as the financial institution that issued the credit, which is stated in the Exclusions of 15 U.S. Code 1681a - Definitions ; rules of construction.
Product: Checking or savings account

I have had a safe deposit box at a local Chase bank for the past three years and based on my interaction with a bank agent today I have to wonder how they are able to function with so much misinformation being spread by their agents. I went to the bank last week and made a partial payment for my safe deposit box and was told I just need to pay the remainder of the cost by the due date which is this coming Saturday. I also learned that in order to qualify for a discount as a Veteran I would need to open a personal checking account, which I did when I made the payment. 
the agent who called today seemed to be clueless about all of this and told me that I do not have a personal checking account with Chase and therefore will have to pay the higher cost. She also told me I would be charged a fee ( she received an email from one of the corporate offices about this ) for not paying the full amount. 
This has got to be stopped and it reminds me of a similar situation two years ago when I cam in and paid the fee with cash and subsequently kept receiving notices telling me I didn't pay the fee. How can a major bank get away with all of this nonsense????
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on a that debt I do not owe. This debt is really old and past statute in TX. I do not owe this debt and it needs to be removed off of my credit file.
Product: Credit card

Disputed charges on GE Lowes XXXX XXXX XXXX XXXX in XX/XX/XXXX District court case in XX/XX/XXXX won with judgment to dismiss with prejudice and failure to provide any evidence. I have submitted documentation to all XXXX credit reporting agencies and to GE Lowes now Synchrony Bank. Only XXXX has deleted account and XXXX and XXXX continue to investigate not abiding by the court documentation provided. GE Lowes ( Synchrony Bank ) informs me they have made the request to the reporting agencies but the agencies tell me there is no such request in the system. I have continued to request written documentation and reference # XXXX of request yet have not received any to date. I have been fighting this for over 5yrs and wish to have my credit updated. I can not believe the cc companies and agencies can continue to not abide by a court rulings and keep my credit hostage.
Product: Debt collection

Multiple issues with Monterrey Collections : 1. An alleged debt was not billed to me by original creditor ( a medical lab ). 2 ) Original creditor ( XXXX, XXXX lab 's CEO ) represented only if an insurance payment was sent directly to a patient would collection attempts be made. 3 ) Alleged debt awareness was first made by collection agency -- no communication by original creditor -- XXXX years later than alleged debt. 4 ) Collection agency refused to disclose verification or documentation of alleged debt. 5 ) Alleged debt was reported to credit agencies ( XXXX ) before I was able to respond within 30 day notification deadline of receipt of collection letter. 6 ) Proof of insurance payment to XXXX XXXX regarding the alleged debt was sent to Monterrey Collections. 7 ) Monterrey Collections refuses to remove the debt or the negative credit reports.
Product: Credit reporting or other personal consumer reports

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