23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Credit Acceptance Corp reported my husband and I 30 days late on both of our credit reports. I called to ask them what happened because I had made a payment and it posted to my account and I had a confirmation number. Credit Acceptance traced the payment to our 2nd car loan account and found that the payment had been placed on the wrong account. Well our insurance also just paid off that 2nd car due to an accident from all the horrible snow we have gotten. Credit acceptance said that even though the payment went to the wrong account they couldn't open that account again and place it o the right account because the account was paid off and closed now. I spoke with a XXXX from Credit Acceptance and she said that she was placing a note on our file that her supervisor told her for us to dispute it and then when it is investigated the can let the credit company know what happened and that it was not late. Well we disputed it our dispute came back today saying that credit acceptance told the credit bureaus that it was true and accurately reported as past due. So obviously whoever did the investigation is just horrible at their job and not very thorough or the person working at Credit Acceptance didn't look into our file to see the notes they said they had placed.

Either way, this company has violated our FCRA rights and is making false allogations because they can look into their system and see that our payment was made in to the 2012 XXXX XXXX   account not the XXXX XXXX  account like we said and then see the notes from previous phone calls that they are supposed to be taking as part of their jobs. They also said the call was recorded so there are those records as well.
Product: Checking or savings account

I came home from college and i recieved a letter in the mail stating my account was closed due to check fraud. I dont know anything about that, i was in school for 5 months prior to this happening and there was no Bank of America where i was located so i couldnt have made any type of transactions.
Product: Debt collection

I received a call from ( XXXX ) XXXX stating that I owed them {$1400.00} from a XXXX account that I stopped paying on in 2012. I advised them that I was not aware of this credit card account and they advised that if I did n't pay that they would come to my job and serve the complaint. I advised them that I was on Social Security and the rep advised that they would take my Social Security check. I attempted to find out the company as I had received a voice mail as well stating to call ( XXXX ) XXXX which goes to Coastline Financial XXXX XXXX. There were multiple calls back to back with a few minute time frame.
Product: Credit reporting or other personal consumer reports

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We began a refi in XX/XX/2022 with a new lender XXXX Mortgage. This new lender has requested XXXX years worth of payment verification for the XXXX, as well as our mortgage, from our current lender Huntington Bank. Upon multiple phone calls to XXXX with these requests, XXXX in turn requested that the third party be the XXXX  to fax or make these requests. XXXX  has sent at least XXXX different requests, by fax, phone calls and emails. XXXX also requested XXXX get involved to dispute a late payment XXXX reported 30-days past due. A three-way conference call between us, XXXX and XXXX also happened requesting that these statements be provided. The XXXX representative asked and confirmed an email and phone number for XXXX, because they would be following up. XXXX and XXXX have been following up daily. XXXX to date, has not provided any of the parties involved. any documents for payment verification so that we can move forward and close. When XXXX was questioned regarding if they have sent this request to XXXX, they claimed on XXXX different occasions they were sent. When we followed up with XXXX and XXXX, they both state differently, that their phone calls and fax requests have all been ignored by XXXX and no response or documents have been received. XXXX has delayed the closing date for this refi by XXXX months already.
Product: Credit card or prepaid card

Attempting to pay my PayPal credit card bill, but their online portal refuses to display any of my statements to review the charges. I realized there was an issue 24 hours ago and despite contacting PayPal through their joke of a customer service department nothing has been resolved. My bill is due on the 7th and they apparently don't care enough to provide a working system. I've tried three different browsers on two different computers and all of them display a " Something went wrong, we can't show your statements right now '' message.
Product: Debt collection

On XXXX XXXX, 2017 Midwest Recovery Systems placed a opened collection on my credit report for a Debt owed to XXXX XXXX XXXX XXXX. I have not been contacted by Midwest Recovery Systems regarding the collection. To my best knowledge the company they claim I owe the debt too is no longer in business per the BBB website and was a non licensed payday loan company. I have never taken out a payday loan with this or any company. My credit report shows that owe them {$860.00}. I have tried to find contact information for XXXX XXXX and have not been able to locate it. My main concern is why did Midwest Recovery Systems place this on my credit report in the first place? From a company, that in all my research, seems to be a unlicensed closed business?
Product: Mortgage

I have contacted the new servicing company Shellpoint Mortgage several times because they did not credit me for 3 payments from XXXX, the old company. I have sent them copies of the cancelled checks and they still refuse to do anything about it. They will not even answer my emails or phone calls about this. I do not know what else to do! XXXX was a horrible company to begin with and have done some of the same things, but now I can't get the new servicer to take care of this! I don't see how it is legal to take my money and not credit the payments.
Product: Mortgage

In late XX/XX/2019, I applied for a first time home buyer 's VA loan. I was pre-approved for a XXXX mortgage based on accurately reported income and liability information. Many mistakes were made by USAA Mortgage through the process and after a month of investment of time and XXXX of my own money, USAA denied my loan application for XXXX due to " insufficient income or a debt-to-income ratio that exceeded their guidelines. Since this denial was based on their error, I requested they reimburse my cost. They ( XXXX XXXX ) refused and told me they were a large enough company to absorb any negative feedback I provided to companies like the Better Business Bureau or Consumer Financial Protection Bureau.
Product: Payday loan, title loan, or personal loan

About seven years ago, I was persuaded by a Citibank teller to open a {$50000.00} " Custom Credit Line. '' He told me that there were no fees or expenses for opening or holding the account and that I would receive more " Thank You Points '' from Citibank for having this type of account in addition to my pre-existing checking and savings accounts. I opened the account and, within a couple of years, I began receiving annual fee statements. ( I have never used the account and I don't need a personal line of credit. ) At various times, I contacted Citibank over the phone and explained the situation and they agreed to remove the fee. Nonetheless, I have recently been receiving fee statements every month and now my phone calls and written letters to Citibank have been ignored. The most recent fee statement shows a balance of {$50.00}. Again, I have asked for this account to be closed and for all fees to be waived, but there has been no response and the fee statements continue to arrive. 

I am requesting that Citibank close this account and remove all fees. In addition, I would like the bank 's practices to be investigated, as I suspect there may be pressure  on tellers and employees to induce customers by fraudulent statements to open " free '' accounts that will ultimately incur fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written to Transunion, XXXX and XXXX 3 times in regards to XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2009 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Product: Checking or savings account

I opened a savings and checking account totaling over 10,000 and linked them to my current online credit card account. I was locked out of my account due to not receiving my debit card. I called 9 times / over 3 hours and kept getting transferred and hung up on XX/XX/XXXX. I asked to have my checking and savings closed because i had linked them to my credit cards and could not access my credit cards because i could not access my checking until the debit card arrived. I finally got someone to unlink my credit cards so i could create an accessible account for them and still do not have access to the banking and savings account and Do not know what is going on with the money i have in them. The debit card arrived today and i am still unable to access the account with that info. The savings account and checking account has over 15,000 and i have no way to access the account to know if they actually closed it. I dont know where my money is and have no access to it.
Product: Credit card or prepaid card

On XXXX XX/XX/2021, I contact the Hilton Honors program to claim my free night as per the credit card agreement and email from Amex on how to request a free night. I was told by Hilton that there were no free nights in the system. I called Amex and XXXX gave me the XXXX valid Hilton free night award certificate numbers, we then went on a conference call with Hilton. XXXX, from Hilton, stated that the numbers Amex was providing were not valid. On XXXX XX/XX/2021, I contacted Amex again and was told they were investigating. On XXXX XX/XX/2021, I contacted Hilton and they again said they numbers from Amex were invalid. What is the point of having a co-branded credit card with Hilton if Amex does not provide the free nights as promised? On XXXX XX/XX/2021, I again contacted Amex and was assured they are working on the case- but to contact them " back within XXXX days. '' It is unacceptable that what is described as a simple process on the Amex web page and the Hilton Honors site is not being followed by these XXXX companies.
Product: Debt collection

I called the number that was provided to me to make payment arrangements to pay my debt for my last apartment.. 
I started receiving calls on XX/XX/XXXX about the debt and the money I owe.. I missed a call at XXXX from the rent collect company.. they later called me at work and demand that I pay the full {$4100.00} by the end of the month or they were going to ruin my credit. I wanted to work out a payment arrangement with them and they said they are not an arrangement company. I owed that money the day I moved out. I told them I could not talk I was at work and I could lose my job for dealing with it right then. Someone from the company called me again at work I want to say the next day in the morning.. I called them back on XX/XX/XXXX at XXXX am after they had called me at XXXX ... I spoke with XXXX and offered to pay XXXX a month ... she said that they were ready to move forward with collections and they have already verified everything.. After a very long not getting anywhere conversation I agreed to them taking XXXX a week but later realized I would not be able to pay any of my bills or my current place where I live I called them back in hopes that I could pay XXXX a week.. I talked to the supervisor and told her I feel the conversation I had with them yesterday was a little abusive and she went off on me and told me to get a lawyer and get the tapes. She said Im going to mark this account as refusal to pay..and ruin my life. I told her I wasnt refusing to pay.. I just need an arrangement that I can pay and still survive.. She told me good luck and hung up
Product: Mortgage

I have been working with ditech regarding selling my home. The property has lost value and the people that have been occupying the property have stop paying. This has cause a ripple effect in my finances and I have fallen behind on payment.s. The person that I was told to contact, ( XXXX ) has been non responsive, Other accounts reps have informed me that they will tell her, however, I recent receive a notice in the mail that the house would be going to auction. I have tried hard to keep the house, until it can be sold.. I have not be able to reach anyone from ditech. They patch my calls to a line, that rings, and rings. with no answer machine. I recently hired a realtor to help me sell the home faster, since the loss of value it has made it difficult
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX a cashiers check was deposited into my account. It was returned with a letter from my bank, refer to maker please contact the person who gave you this check for more information. The check was issued to me from CHARTER ONE BANK, in the amount of {$3500.00}, dated XX/XX/XXXX. ( I closed out an account I had there ) XX/XX/XXXX I contacted unclaimed property, Michigan.gov. Spoke with XXXX ( XXXX ) who said nothing was listed for CHARTER ONE. Called Charter One, which is now, XXXX XXXX. I spoke with XXXX XXXX XXXX ) in the garnishment dept. XXXX and was told it would be looked into and they would get b @ ck to me. 
I called back and sent documentation of the check, to no availemailed etc., no response. 
XX/XX/XXXX spoke with XXXX in garnishment dept., sent all copies of check by email, XXXX XXXX XXXX, she confirmed receipt. Sent another email to XXXX on XX/XX/XXXX requesting info I needed to start a claim, no response. 
XX/XX/XXXX called XXXX, she said it should be turned over to customer resolution. 

Called XXXX XXXX in XXXX, Michigan, spoke with XXXX, she said I need Legal Council from Citizens B @ nk, corporate headquarters in XXXX, XXXX XXXX, XXXX, XXXX XXXX. 
Checked Escruated Property Reclamation in Rhode Island. NOTHING found. Looked under XXXX XXXX, nothing found.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft due to Transunion failing to add security freeze to my account although I requested it multiple times, pursuant to section 605B, you must remove fraudulent accounts and inquiries reporting to my account. I'm suffering punitive damages.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$290.00}
Product: Debt collection

ON XX/XX/XXXX. WAKEFIELD AND ASSOICATS, SENT ME A TEXT MESSAGE REAGRDING MY PAST DUE BILL, I THEN CALLED THEM AND OPTED OUT OF TEXT COMMUNICATIONS. I THEN RECVD ANOTHER TEXT MESSAGE XX/XX/XXXX FROM THE SAME COMPANY. THAT IS A DIRECT VIOLATION OF THE FDCPA ( UNFAIR OR ABUSIVE PRACTICES )
Product: Checking or savings account

I was scammed {$11000.00} from XXXX to XXXX from a scammer identified as a woman named XXXX XXXX. It was a pig butchering scam. The scammer convinced me to invest in a platform called XXXX. After thinking I was making profits, I realized it was a scam. 
I was denied a refund from Wells Fargo. I recently filed a few claims and they won't refund me the transactions of the scam. There were three. One was for {$100.00}, one for {$1000.00} and one for {$8000.00}. That's {$9100.00}. 
Another transaction was through XXXX XXXX XXXX XXXX for {$2000.00}. I filed a claim dispute with them, showed proof that I was scammed and they decided to reimburse me my money. 
I'm confused on why XXXX XXXX XXXX XXXX refunded me the money but Wells Fargo didn't. If I don't get my money back from Wells Fargo, I will transfer my funds to XXXX XXXX XXXX XXXX. I've been a loyal customer at Wells Fargo since 2010, and believe I deserve a refund. Please help me get my {$9100.00} back. If not I'll take my funds to XXXX XXXX XXXX XXXX and not do any business with Wells Fargo anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion have not updated my mortgage file and my mortgage company has not update the file either i have dispute the information on several occasions and nothing, my file is reporting foreclosure and i am in forbearance i am trying to refinance my property and i cant cause they are not reporting the correct information and when the bank pulls my XXXX file shows I'm in a foreclosure status Transunion has not updated the file in over a year and states the account is closed, and XXXX shows the account is closed, XXXX XXXX XXXX XXXX is the agency reporting the information, i have called them on several occasions also to update the files and nothing has been done the account is an active account. due to all party 's involved being negligent, i am requesting that the foreclosure be removed from my account because it is hindering me from getting my mortgage refinanced. i am expecting that this item of foreclosure be removed immediately. and update my account accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested via certified mail that Experian investigate XXXX collection accounts on my consumer credit file. On XX/XX/XXXX, I received via email the results of their investigation. 
Experian concluded that the information supplied by the alleged creditors were accurate and updated one of the accounts with new information. 

By doing so, Experian denied me the right to validate both debts and violated my right to privacy under 15 US 1681b by discussing my non public information with the creditor ( s ). Experian also updated one of the account with information from the alleged creditor, pursuant to 15 us 1681a ( e ) this is also a violation of my consumer right. 
Experian continued to report the accounts while being disputed, a violation of 15 U.S. Code 1681 [ A ] [ 1.A ] I was not provided me with the description of the procedure used to determine the accuracy of the information or proof of theses alleged items ( contract or any instruments bearing my name agreeing to pay the alleged creditor ) Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Paid off a settled charged off account witXXXX XXXX XXXX XXXX XXXXXXXX. Contacted XXXX settled account in full on XXXX. 
Requested paid in full letter they are claiming I didnt pay. Their system Shows paid in full but are refusing to apply payment and update balance hence keeping me from Reporting to credit bureaus and getting a loan.
Product: Debt collection

The cable company claimed I owed {$69.00} on my account which I disagree with. They sent the account to this debt collector who keeps sending emails to my work email address, despite me telling them multiple times to stop sending emails to my work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account in the amount of XXXX XXXX 
I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account. I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies to which you provided it. 
Enclosed is copy of my Identity Theft Report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your finding and action Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS -- 1. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of XXXX XXXXThis is not my account. 
-- OTHER ACCOUNTS -- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of XXXX -This is not my account. 
I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion numerous times via telephone and mail about the inaccuracies on my credit report. I have been ignored and no changes have been made. I thought that the credit reporting agencies needed my written permission to furnish anything on my credit report according to 15 US Code 1681b ( a ) ( 2 )?

I will list below the items I want removed and corrected ; my next course of action will be a {$15000.00} civil suit in my local county small claims court ( 15 US Code 1692k ) if the items are not corrected and removed LATE PAYMENT : XXXX - Update to 100 % paid on time COLLECTION/CHARGEOFF : XXXX  - Remove from consumer report INQUIRIES : Credit Plus - Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX