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

My issue is with Transunion 's verification of credit items. The credit item was a car loan I was approved for in XXXX of 2016. Its reporting I made the loan a year later the same time frame. I am using XXXX XXXX   to challenge this negative report. The loan was for 72 months. I paid it off in 32 months. Its not even showing as a currently open account. 
This the third time I've had to use a credit repair company to reverse this negative type of reporting. I want to purchase a home and know my credit its n't this poor. My credit history isn't excellent, but its good by most standards even their 's. The same file according to XXXX  and XXXX  it is recorded as open and in good standing. I am just using this as an example because its recent history. I had a monitoring service through TransUnion and as a service for credit monitoring, they were difficult to deal with. It was hard to login to the service with my password and ID written down in front of me. I had to wait time calling their customer serivce number. Half the time they weren't helpful in resolving the issue of logging in. And I couldn't access the same paid-for account on multiple devices.
Product: Credit reporting or other personal consumer reports

Good Day. I have a personal loan with XXXX. They have recently reported my last payment on the loan late which is definitely inaccurate. Please remove this delinquent payment from my account immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was removed from XXXX on XXXX XXXX. I contacted Transunion and XXXX due to inaccuracies XXXX XXXX XXXX needs to be removed from credit report. All credit bureaus have to report all the same. My request was denied.
Product: Credit reporting or other personal consumer reports

i looked at XXXX credit reporton XX/XX/year>, and not notice somethings are incomplete and not accurate. and accurading to the fair credit reporting act when ever a consimer reporting act when ever a consumer reporting agency prepare a consumer report it shall follow rewsonable procedures to assure maximum possible acuracy of the information concerning the individual about who the report relates according to 15 U S C 1681 ( e ) ( b ).

and according to 15U S C1681 i 5 they are supposeto do this ( 5 ) treatmen of inaccurateor unverifiable information ( A ) in generalf after reinvestigation under paragragh 1 ) ofany information disputed,15 U S C 1681s-2 they are suppose to not funish any information, please delete these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # # # # # XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint against Navy federal Credit Union. Numerous times they have charged my account knowing there were low funds in the account and allowed my account to overdraft and then also charged me an overdraft fee ever 3 days. I was charged multiple overdraft fees for being overdraft in my account. These are unlawful overdrafts fees.
Product: Credit card or prepaid card

Fraudulent withdrawal of funds ( {$510.00} ) on XX/XX/2021 from United Bank Visa Debit Card, linked to my checking account, by a foreign bill paying service based in XXXX XXXX XXXX XXXX XXXX. I, as the owner of the account, was contacted by United Bank 's Fraud department on XX/XX/2021 asking if I was authorizing this charge and I replied that I did not, it was a fraud, and I advised United bank not to release any funds. They replied that they could not do that, and I would have to report this to United Bank 's customer service department when they reopened for business in 48 hours. I contacted United Bank 's customer service department on XXXX and reported to call center representative ( XXXX ) the fraud. Was advised that United bank could not enter this fraud as a 'dispute ' that I would have to report this in person to one of their physical branch offices and I would have to wait for 5 days, until XX/XX/XXXX to report since the withdrawal was in a 'hold ' status '.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is wrong information on the consumer reports from early warning that they will not tell me which is causing me issues opening up a bank account with XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2021 someone stole my identity and purchase 2 vehicles in my name that I did not authorized. I was XXXX  in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$47000.00} Both accounts stated above are fraudulent and doesnt belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX acct # XXXX is reporting incorrectly. This is an ongoing and continuous violation of the Fair Credit Reporting Act. This situation is causing me undue stress and is a defamation of my character.
Product: Checking or savings account

I have been a member of NFCU and saw the notice of publishing in reference to the issue and I did fall under the situation
Product: Payday loan, title loan, or personal loan

They denied me for a settlement. I explained to them that my income decreased significantly,
Product: Debt collection

XX/XX/XXXX, I received an email collection attempt from COLUMBIA DEBT RECOVERY DBA GENESIS XXXX XXXX  XXXX XXXX, WA XXXX The email was only stating the amount owed. I responded the next day on XX/XX/XXXX with clear language that I disputed the validity of the debt in its entirety. 

The collections agency did not send me a debt validation letter and continued to pursue their collections attempt and had reported this debt to the three credit reporting agencies which lowered our credit score. I did not receive a debt validation letter until I made a second request on XX/XX/XXXX after I had already disputed this debt with the 3 credit reporting agencies.

This agency also ignored the evidence that I had provided contradicting their claims that I had caused damage. This was done in bad faith as I have provided photos showing no damage to our carpets yet the agency continues to claim I had caused damage yet refuses to provide evidence there is any damage to the carpets.
Product: Credit reporting or other personal consumer reports

I bought a new cell phone from XXXX. 
The phone arrived in defective condition. 
I called AFFIRM to tell them and the person said that he wouldn't pay for it either and to send it back to XXXX. I asked XXXX for a return address and they refused to give me one. 
The company AFFIRM asked me to sign for the loan for phone. 
I told them that I would NOT SIGN THE LOAN BECAUSE THE PHONE IS DEFECTIVE. 
THEY BOTHERED ME WITHOUT STOPPING. 
They told me that they already paid for the phone. 
I refused to sign the loan. 
NOW THEY PUT ON MY CREDIT REPORT THAT IM MISSING PAYMENTS. IT BROUGHT MY CREDIT REPORT DOWN XXXX. 
I DO NOT OWE THEM MONEY. I DID NOT SIGN THEIR PAPERS I DONT OWE THEM ANYTHING.!!! 
THEY ARE A BIG COMPANY AND THIS SHOULD BE AGAINST THE LAW. I DO NOT OWE THEM ANYTHING!!! I DID NOT SIGN. 
PLEASE MAKE THEM CHANGE IT.
Product: Mortgage

This is about an escrow error that resulted in a county tax  penalty. 

At the time of closing of my mortgage on XX/XX/XXXX, a prorata portion of two county tax bills ( {$1400.00} and {$2500.00} ) was collected for the period of XX/XX/XXXX ( date of closing ) through XX/XX/XXXX. Additionally, 4 months of escrow was collected at closing for these tax bills, and monthly escrow was based on both of these tax bills. 

A total of {$3900.00} was on Quicken/Rocket Mortgage 's " estimated payout '' schedule for XX/XX/XXXX ( this amount is the sum of {$1400.00} and {$2500.00}, both delinquent after XX/XX/XXXX ). The {$1400.00} was paid by Quicken for taxes as scheduled, but the {$2500.00} amount was not, and I was not notified that they did not pay it to the county. Instead, Rocket Mortgage notified me that my escrow was overfunded and returned {$2000.00} ( approx ) to me, without identifying the fact that they had not paid the my tax bill. There was still more than sufficient money in escrow to pay that bill I did mail a check to the county tax in the amount of {$2500.00} to cover the tax, but a penalty of {$260.00} has been assessed which I believe Rocket Mortgage should cover because they collected for the tax at closing, collected for it in the escrow, included it in their payout schedule but didn't pay it and didn't notify me that they weren't paying it. I notified them of the problem and my claim for the penalty amount on XX/XX/XXXX, and they denied my claim on XX/XX/XXXX. They said it was a supplemental tax bill. I did receive a supplemental tax bill ( other than the two listed ) and I paid that. That bill had a different due date. The tax bill in question may have been a supplemental tax bill for the previous owner, but it wasn't for me. If Quicken Loan hadn't collected for it at closing and in escrow and in their payout schedule, I would have paid it because I went online at the county tax records to verify what was due in comparison to what Quicken was scheduled to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX Settlement In XXXX, a settlement over the breach which revealed the private information of XXXX XXXX Americans required the credit bureau to compensate each victim starting at {$120.00} and up to {$20000.00}, Equifax XXXX XXXX my personal information was impacted as a result my personal information was compromised and as a result I became a victim a identity theft. I am requesting full compensation and reimbursement for money and time I've spent trying recover from fraud and or identity theft because of the Equifax XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I paid and settled in full XXXX collection accounts on all three of my credit reports, TransUnion, XXXX, and XXXX. Three were reported within a week of settlement, two notated as settled in full and one completely removed. Three were reported per the collection agency, however, were not reflected on the credit reports themselves ( I disputed these ). I ran my reports on Saturday, XX/XX/2022 and the last XXXX were removed from what I could view. I contacted TransUnion via phone and chat within the last week and requested information as to why my score has not been updated when XXXX collection accounts were resolved and/or completely deleted within the last XXXX weeks. I advised them that after the first XXXX accounts were updated, my score increased XXXX points or so, however, another collection account ( a utility bill from XXXX ) was added which dropped it back down XXXX points which seems odd considering it is XXXX account in comparison to XXXX. They initially advised me that there is an algorithm that calculates the score. They then advised me that the score does not get updated for 30 days after the account is updated, we know this is not the case considering the recent events and this is not the first time I've had an account resolved throughout my credit history. They had no further information for me. I'd like this investigated as to why my score is not being amended to reflect the recent resolved accounts. This is not only delaying my ability to purchase a vehicle but other products such as adding lines to my cellphone service with XXXX. My score is currently XXXX with TransUnion, XXXX with XXXX and XXXX with XXXX. I have XXXX collection account on my report as previously stated that needs to be resolved, XXXX. With that being said, there is no reason my scores should not have increased significantly. 

Please note I can not upload relevant documentation including credit reports, payment confirmation ( XXXX ), and chat conversations due to error message.
Product: Debt collection

I have received various calls all days of the week and at different times from Midland Credit Management. Using various numbers : XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX I do not know what this is in reference to, they never leave a voicemail or any other message. If this was in reference to any payment owed to anyone I should have received correspondence of some sort by at least the beginning of XXXX since the first call was placed on XX/XX/XXXX. I checky credit every month and see nothing owed to anyone from this company not have I ever been issued any credit or other monies from this company. I would like this to stop.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/XXXX, there were unauthorized XXXX transactions and a {$10000.00} wire transfer of money out of my wife and my Capital One accounts as well as internal transfers of money between our XXXX ( XXXX ) accounts. I called Captial One to report the fraud/unauthorized XXXX transactions and wire transfer. Captial One Bank provided me with a claim # XXXX for unauthorized wire transfer, and claim # XXXX & # XXXX for the XXXX ( XXXX ) unauthorized XXXX transactions taken from our account endingXXXX. Capital One Bank locked our accounts. Capital One assured me that they would do an investigation. The XXXX ( XXXX ) unauthorized XXXX transactions were unusual since I did not use Captial One Bank to transfer monies out of my account using XXXX. My wife and I did not add this criminal or his/her cell number or email address to our list of XXXX Recipients XXXX In the years that we have had these XXXX Capital One accounts, we have never wired money to anyone. There is no history of wire transfers out of our Capital One Bank accounts. It would be easy for Capital One Bank to flag such unusual activity on our accounts. Yet, Capital One Bank instead of safe guarding our money, permitted this fraudulent activity to take place. Even when provided with an XXXX Police report, Capital One has chosen to protect themselves rather than protect my wife and I. This was a crime and Captial One Bank has refused to restore the money that was stolen. I filed an police report with XXXX and a Identity Theft Report with the Federal Trade Commission. The following unusual activity and fraudulent transactions were never authorized : XXXX XXXX XXXX XXXX XXXX {$200.00} XXXXWithdrawal to Savings Now {$1000.00} XXXX to XXXX XXXX {$400.00} XXXXWire Convenience Charge {$30.00} XX/XX/XXXX - Wire {$10000.00} XXXX Deposit from Savings Now {$1000.00}
Product: Mortgage

According to the Homeowners Protection Act of 1998, automatic PMI removal ( not borrower-initiated ) happens at 78 % of the original loan. 

I didn't pursue the borrower removal ( at a cost to me ) because I was so close to the automatic termination when I last inquired about my denial. 

However, I checked my mortgage statement today, and it's still there, even though it it's now at 75.3 % of the original loan value. 

I called Truist, and they said to contact my investor XXXX XXXX XXXX XXXX. I called XXXX XXXX, and they said to contact my servicer. BTW, you can only write letters to Truist 's PMI removal department, not speak to anyone. 

It doesn't seem like this is working the way it's supposed to. Am I misunderstanding something about what 'automatic termination ' means? From what I read, it should happen without my action.
Product: Credit card or prepaid card

Fraud charges on XX/XX/XXXX and XX/XX/XXXX for a total of XXXX. 

I contacted Citi by phone within 24hours and reported the fraud and specific fraud charges. 

The first CSR, the fraud department one, cut me off when I was reporting which charges were fraud but assured me she listened after I asked. Told me I was getting a new card and the charges would be investigated and removed. 

Later I contacted them again by online. My statement was cut and everything was charged. The polite rep told me they had all my charges and were doing an investigation, I asked him which charges and he listed 1 of the 9. He politely took the rest of the charges and said it would be resolved. 

1 week later I contacted again asking for the charges to be dropped, as promised by Citi. I was told it would be escalated to an executive team and no contact back. 

I also contacted them by online chat after giving a few business days to resolve things and they ignored that as well. 

Reference secure messages : XXXX, XXXX
Product: Debt collection

Penn Credit Corporation alleges that I owe {$410.00} for a red light traffic violation on XX/XX/2015. Firstly, Penn Credit failed to properly serve notice of the violation. I, XXXX, never received a ticket nor violation notice from a human person. I am inclined to take legal action unless Penn Credit immediately ceases all collection attempts. 
Under the Fair Debt Collection Practices Act, 15 USC Section 1692, a debt collector must provide a verification of the alleged debt. The debt collector is mandated to cease all collection activity until verification is provided.
Product: Debt collection

American Coradius International ( ACI ) called me on XX/XX/2022 at approximately XXXX. They explained they were calling to collect a XXXX XXXX XXXX XXXX loan against a company I no longer work for. This was the third call they had made to me over the past three weeks and each time I explained that : 1 ) The loan was provided to a business and they are calling a personal cell phone of a former employee.

2 ) The business had closed ( out-of-business ).

3 ) Please stop calling. 

They continue to call me.
Product: Credit card

I made a purchase online via Lowes website and chose Lowe 's pay on XX/XX/2023 through Synchrony bank, pay later loan, I purchased multiple products, part of the items received were sent damaged, I made Lowes aware of this at the beginning of XXXX through customer care and spoke with a XXXX. I had a meeting with a virtual designed on XX/XX/2023, he was advised prior and at this visit. He made arrangements with the local store over getting the merchandise picked up and returned. I was advised that once they were received in store that a refund would be put on my account. I have never received that refund. Synchrony bank is not showing a refund, Lowes is telling me that they did. Synchrony bank is not honoring my early payment before my due date and I am being charged interest and late fees for products that I do not have in my possession. I made a payment to them on XX/XX/2023 prior to the due date of XX/XX/2023. I made a payment that was above the minimum payment for the account. I am disputing the charges with Lowes and Synchrony bank. The information I have and what was shared with me does not match there records or what they are telling me. I have emails with Lowes and a recorded call with an employee at Synchrony Bank of these disputes and nothing is being resolved in a timely manner and it is impacting my credit and the information I signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I recently pulled my credit report and noticed that the following accounts are reporting inaccurately ; XXXX XXXX ( XXXX ) - Delete this account because the date opened on, XX/XX/XXXX, is incorrect. XXXX is showing a date opened of XX/XX/XXXX and you are showing a date opened of XX/XX/XXXX. 

XXXX ( XXXX ) - Delete this account because the date opened on XX/XX/XXXX is incorrect. XXXX is showing a date of XX/XX/XXXX and you are showing a date opened of XX/XX/XXXX XXXX
Product: Mortgage

Comerica bank is close to making my excellent credit rating damaged by mis applying my early house payment to the principle only. The entire amount was applied to principle which then showed a no payment. This was in XXXX Of 2015. They said they fixed it but they still show me behind one month. Every month I talk to a supervisor and nothing is being fixed. Please help. I have always paid about 10 days early. I do n't know what to do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I called and sent Transunion and XXXX to remove accounts that I did not apply for with was XXXX, XXXX and XXXX. I spoke with a US Rep XXXX was handling my request. In the midst of our phone call, as she was confirming these account that needed to be removed, the call was disconnected. I called back and waited 20 minutes to get another US Rep on the phone I sent out an affidavit and it was notarized with these accounts on there. This time a spoke with a young Man and I explained to him what happened and how the first US Rep was looking into these account and they was about to do dispute. He told me that he couldn't help me because these account was verified and they was mines. I told him that I sent an affidavit in to validate this information with XXXX, XXXX and XXXX and to provide me with copies of any documentation associated with this account bearing my signature. He told me that they investigation these accounts and they are mines and he can not help me anymore. I have these three accounts on my credit that need to be off my report because Transunion did not do they Job and the US Rep di not help me at all. Couple of Days later I received a credit report from Transunion and they stated on there that these account was verified and I know these accounts wasn't verified because they did not sent any of the information that I requested from them. I did not apply for none of these account. I am just asking them to send me proof of what I asked them to.
Product: Debt collection

Someone stole my identity and opened up accounts with Chase and XXXX XXXX. It was a chase liquid account and I am being held responsible for debt I dont owe nor approved of. I filed a report with the police.
Product: Debt collection

My XXXX XXXX took a XXXX XXXX took a XXXX dollar credit card out under my maiden name ( XXXX XXXX ) without my permission. He somehow went over the XXXX dollar limit. When we got a divorce he signed court documents stating he accepted this debt. I sent this to American Express in XXXX after they sent me a notice that they were going to sue me. They havent responded after talking with them 3 times and 2 emails. Its still on my credit report.