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

In the begininning of XXXX 2022 i made a payment on the online portal because this bank ( Midwest Loan Services ) doesn't send out statements or email notices regarding payments. I was given a confirmation that the payment went through however it never posted to my account but i never received a call or notice that the payment wasn't received. On XX/XX/XXXX i made an additional payment for the payment which was due on XX/XX/XXXX. i thought i was making the payment for XXXX but it was posting as the payment that they never received in their system for XXXX. on XX/XX/XXXX i called in because i went to view my online account and it was showing 2 payments being due. I made the 2 payments over the phone with the rep and that's when i finally found out they were showing me as 30 days late which was not the case. They had an issue with their computer system and my payment never posted. They don't send statements or give any updates on email etc about the account so i was completely un aware that the account was showing delinquient. This was an issue on their end and never once have i missed a payment.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized hard inquiries that appeared on my credit report. Despite my few attempts to address this matter and seek resolution, I have yet to receive a satisfactory response from your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this personal statement to address the issue of unauthorized inquiries on my credit file. It has come to my attention that there are inquiries listed on my credit report which I did not authorize or initiate. This situation is concerning as it can impact my creditworthiness and financial standing. I understand the importance of accurate credit information and the potential negative effects of unauthorized inquiries. Therefore, I kindly request your assistance in promptly removing these unauthorized inquiries from my credit report. I want to emphasize that I did not grant permission to the entities associated with these inquiries to access my credit information. After thoroughly reviewing my financial records, I have confirmed that I did not initiate any credit applications or authorize any inquiries during the relevant period. These inquiries do not reflect my credit activity and should be removed from my credit report.
Product: Debt collection

My concern pertains to the account in question, which is erroneously listed as a late payment account. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. XXXXXXXX XXXX XXXXXXXX. I am the person making this complaint & I give cfpb authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Product: Credit card

I am currently working with XXXX XXXX XXXX to pay my cards and on XX/XX/year>, I received a call from XXXX stating that I needed to contact TD Bank regarding my XXXX Account in order to give " verbal authorization for the life of the debt management program for XXXX XXXX XXXX. '' I have been trying for hours to get in contact with an agent at TD Bank and have been given multiple different numbers and transferred to multiple different agents regarding this matter. This is unacceptable and at this point I am escalating my concerns to the CFPB so that someone in this company can reach out to me on this issue as I have spent hours trying to in contact with someone regarding this matter.
Product: Debt or credit management

Bull City Collection Agency has placed a claim against my credit report ( XXXX XXXX XXXX XXXX ) for not making payment to XXXX XXXX in XXXX XXXX. I found this out as I was trying to buy a new vehicle and was declined the loan due to poor credit - my credit has declined from XXXX to XXXX I called Bull City Collection to find out more and they provided me with an account number, I called XXXX XXXX to find out why they placed a claim against me, they ( XXXX XXXX ) told me the account number I provided does not match my personal information. 

Again I called Bull City collection Back and informed them of the account number not being associated with my personal info or social. Bull City hung up on me and putting me on hold for XXXX. 

Having access to 2 phones I was able to get both Bull City Collection and XXXX XXXX on speaker talking to each other, XXXX from XXXX XXXX was very helpful in confirming account number provided in Bull City Collection claim did not match my personal info nor social Bull City Collection still has not removed this claim from the credit bureau and is refusing, as they claim only XXXX XXXX can reverse this claim. Conversely XXXX XXXX responded with : the claim has been submitted ( to a different person ) and unfortunately we don't have the option to undo anything I have proof of my own utility bills going as far back as XXXX which I will be attaching to this submission - The system is failing when its so easy to put claims on one 's credit report without even notifying them, yet its near impossible to reverse even though both parties agree they have the wrong identity on file
Product: Debt collection

Company billed me with autopay ACH and auto pay was disabled in the account. The company citizens pay of citizens bank also reported an incorrect amout owed to the credit bureau. There representative lied and said that the derogatory entrys would be removed after payment. Now the company cant seem to find this conversation. This was a line of credit for products sold at wayfair.com
Product: Mortgage

Regions Bank is the company name. 
I acquired a homeimprovement loan for a new HVAC in XXXX of 2023. 
I try to include extra payments to pay it off quicker. Extra payments have been going to future payments which I do not like. I expect extra payments to go to principal, I have contacted Customer Service and usually get nowhere. The payment I made in XXXX really was shocking. The monthly payment is {$140.00}. The total loan is XXXX. I paid {$100.00} the first week of XXXX and paid {$100.00} two weeks later to pay less interest which is accrued daily at 9.99 %. When I received the monthly statement both {$100.00} payments had gone to interest only. I am already ahead since they have been putting extra amounts to future payments. I printed out the statement and took it to a local branch. The bank XXXX  who helped me could see my account but no information about it. She gave me the Mortgage CS number. I called it and they could not verify my information thru the automated system, I could not get connected to a real person. This has also hurt my credit score because it gets reported every month that the account is closed. It is not and I have XXXX XXXX contact them twice to correct this.
Product: Mortgage

Purchased a home with the understanding that I could refinance in XXXX  months due to needs of home purchased XX/XX/2022. The refinance was started then they denied it stating I needed XXXX more months. They had encouraged me to use my credit cards for repairs. Carrying the debt another XXXX months has trashed my credit. Wrote the XXXX  and in their response the stated that they had told me wrong information at the time of purchase and they have retrained their staff. That doesnt help me. Since then I have received XXXX notices that I am pre approved for a refinance. Each time I asked about the prior denial. Each time stating I qualified. I have all the paperwork. I have XXXX in equity that I cant use
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( s ) to be erroneous : Creditor/Company Name : XXXX Account Number : XXXX Inaccurate Information : o The " Date Opened '' is listed as " XX/XX/XXXX '' by TransUnion but " XX/XX/XXXX '' XXXX XXXX and XXXX, causing discrepancies in account history. 
o The " Date Last Active '' is reported as " XX/XX/XXXX '' by TransUnion and XXXX, but XXXX reports it as " XX/XX/XXXX, '' suggesting outdated or incorrect reporting. 
o The " Comments '' field includes different remarks across bureaus. TransUnion states " Dispute resolved ; reported by grantor, '' XXXX mentions " Account was in dispute- now resolved - reported by subscriber, '' and XXXX notes " Account previously in dispute- now resolved by data furnisher. '' These inconsistent comments create confusion and misrepresent the accounts current standing. 
o The " Two-Year Payment History '' shows a " XXXX '' delinquency for XX/XX/XXXX in XXXX, while TransUnion and XXXX report no delinquencies for the same period.
Product: Bank account or service

I am a XXXX XXXX and we usually get paid early when there is a Federal Holiday that occurs right before our regular pay date. In this case that did not happen. I received a {$34.00} dollar overdraft charge from JP Morgan Chase for a {$7.00} transaction. The funds were in my account the next day. So they loaned me XXXX for 24 hours and charged {$34.00} ... ..What is that 1,500 % interest! I asked the bank to waive the charge and they said their was nothing they could do ... .. I have had an account at Chase for XXXX plus years!!!!
Product: Credit reporting or other personal consumer reports

XXXX, XXXX BANK, AND TRANSUNION ARE IN VIOLATION OF MY RIGHTS BY REPORTING INCORRECT AND INACCURATE INFORMATION. NOTE THE DISCREPANCIES IN THE TWO ATTACHMENTS. I WAS ALERTED TODAY BY MY MONITORING SERVICE THAT THE BALANCE ON A LONG CLOSED COLLECTION ACCOUNT INCREASED. XXXX HAS NOT PROVEN TO ME THEY HAVE A RIGHT TO COLLECT, THEY ARE NOT REPORTING AS A COLLECTION BUT AS " OTHER '', AND THEY INCREASED THE BALANCE ON A COLLECTION ACCOUNT WHICH IS NOT LEGAL. HOW CAN XXXX CHARGE ME INTEREST? I HAVE NO CONTRACT OR AGREEMENT WITH THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed the items below but the bureaus did not remove them nor prove validation. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I never got a response back from the bureaus. I sent letters out in XX/XX/year> and received nothing to remove personal information that I don't want on my credit report, according to the Fair Credit Reporting Act XXXX USC XXXX, I have the right to Privacy. Also according to XXXX USC XXXX. No financial Institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Debt collection

I'm requesting that Executive Leadership at Credit Acceptance Corp review this complaint and I'm seeking that an EL Team official respond to this issue. This Auto Loan account was opened XXXX XXXX, XXXX. The account was charged off and XXXX XXXX XXXX XXXX XXXX was the debt collector ( Exhibit Letter XXXX XXXX XX/XX/XXXX ) and the case was dismissed. The account has been charged off. A debt collector collected the debt and documented that the account has been satisfied paid in full. I requested through XXXX for the 7 plus year old charged off debt paid in full to a debt collector be removed from XXXX, XXXX, and XXXX. Credit Acceptance Corp has did opposite of that and it is clear. How can this be explained that now I have a balance of {$3900.00}, from an 7 plus year old account that was charge off for Credit Acceptance Corp tax purposes that was paid in full to the debt collector and I now have a balance of {$3900.00}, because I have filed numerous complaints with CFPB regarding this issue and requested through XXXX to have this item removed because it is affecting my XXXX  score. I have been trying to resolved this issue to have this 7 year old charge off debt paid in full removed from my credit file and now with this new information that I owe my XXXX  score has decreased.
Product: Credit reporting or other personal consumer reports

CREDIT BUREAUS REFUSE TO REMOVE PAID AUTO LOAN FROM XXXX XXXX XXXX MY CREDIT REPORT. I HAVE PROVIDED NOTARIZED DOCUMENTS FROM CREDITOR THAT ACCOUNT IS PAID IN FULL AND CREDIT BUREAUS ARE STILL REPORTING A BALANCE ON MY CREDIT REPORT!
Product: Money transfer, virtual currency, or money service

I received a limitation on my account early last year then i was notified in XXXX of XXXX that my funds would be released after being held for 180 days. When i contacted them after the 180 days they then again told me i had to wait an entire 180 days again. Yet here i have waited and contacted them today XX/XX/XXXX my funds have been held for over a year and they will not release them to me. Please help me i need this money for my family and i have waited and called the service department over 15 times and no one has any answers for me. The amount is {$8100.00} i would really appreciate it if you can get my funds to me as soon as possible thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is allowing XXXX XXXX XXXX to attempt to double dip on their debt recovery. 

I paid them off. Last week. It said 10 days to notify the agency. 

I checked today it was updated, but theres still a balance. When I called XXXX, they said they have up to 30 days and they dont submit the information for removal from report until the last day. 

So they wont tell the company I paid, for at least 30 days. Then, they wont give me any contact information for the department that handles it. No one is a supervisor with that information. And they defer to policies, that if they are as they state them to be, completely illegal and superimpose conditions that make the initial contract worthless. 

I paid XXXX to have it off my credit by XXXX. Not for them to send information on XX/XX/XXXX, according to their agent that hung up in my face, and then wait another 30 days for removal. 

I know it can be done faster because Ive had it done faster as a consumer and I used to work for a debt collection company. 

Policies can not fly in the face of agreement and set law. 

Remove this from my account now, or lose payment altogether.
Product: Debt collection

XXXX Enhanced Recovery Company about {$3900.00} I was unaware of this account as I have never had a XXXX account and just found out about this collection as I am getting ready to purchase a home.
Product: Credit card or prepaid card

I used my Discover card to purchase a graduation trip for my daughter and myself with a tour company called XXXX XXXX XXXX ; a XXXX XXXX based travel company- Company Number- XXXX ZBN : XXXX, that offered all inclusive, guided tour vacations. I paid for a year for this trip from XX/XX/XXXX until XX/XX/XXXX with 24 payments ( 2 payments of {$120.00} each month charged to my Discover card for my trip fee and my daughter 's trip fee ) over 12 months, for a total of {$3000.00}. 

After delaying travel and forcing customers to reschedule tours ( while still selling additional tours ), XXXX XXXX XXXX closed its door to future trading and declared insolvency as of XX/XX/XXXX. As such, it has left many people, including myself, out of pocket for payments made for future travel with them in XXXX and XXXX. 

Some payments were made before XXXX, but due to the pandemic, initially scheduled trips for XXXX and XXXX were pushed back and rescheduled for travel the following years. After the pandemic, the company continued to cancel trips scheduled and move dates right up until XX/XX/XXXX, when they announced they were closing. This company even sent me an invoice for further travel expenses for my XXXX XXXX trip on XX/XX/XXXX. 

I immediately filed a dispute with Discover after being denied a refund from the travel company. I submitted my documentation which shows that my trip was rescheduled three times, as well as showing that the company refused my refund after having to reschedule the trip the second time. I was denied a refund based on their response that tour guidelines were that there were no refunds... which is ridiculous, as I would have happily taken the trip. I paid those 24 payments in good faith, having no reason to believe the company would cease trading when I made them, and I fully expected to make the trip. If one wanted to be literal about it, I DID meet the return policy criteria and should have been refunded by the company, as I will obviously NOT be able to travel with them, due to XXXX, as they stated. Additionally, the first liquidation report was just released in XX/XX/XXXX, and they state that XXXX XXXX XXXX actually lost millions of it's customers dollars due to trading in cryptocurrency. This is just further proof that this company defrauded customers. 

I escalated the dispute in XXXX of XXXX, and heard nothing back from the company beyond that my dispute was closed and I would not be refunded. I follow a XXXX group solely for customers defrauded by this company and have been aware that MANY complainants have been refunded by their credit card companies and banks. Discover should also act in good faith and refund my money lost to this company. This complaint is my last option to get my {$3000.00} back. Please help! 

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

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately new my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 5 months ago I decided to fix my credit and get on track again. I started asking to the credit bureaus to investigate two accounts 1. XXXX  and 2. XXXX  XXXX. 
The reason why I asked them to investigate XXXX  was because I contacted this company and they don't have any account under my name, which means Equifax is reporting an inaccurate information. I asked them to investigate XXXX XXXX BECAUSE ON XX/XX/2021 this account wasn't reported on XXXX, was only reported on XXXX AND EQUIFAX WITH A BALANCE OF {$12000.00}. And about two months after on XX/XX/2021 they added this account on all of my reports, the same account with a balance of {$12000.00}. I will attached a copy of my credit report on those dates, that way you can see all the inaccuracies that I found. I hope you can help me with this two accounts that are hurting my credit.
Product: Credit reporting or other personal consumer reports

I discovered that my credit report contains multiple inaccuracies and unverified entries that infringe upon my rights under the Fair Credit Reporting Act ( FCRA ). These errors include incorrect personal informationsuch as my name, addresses, employer details, and date of birthand entries related to accounts, collections, and inquiries that I believe are either inaccurate or unverified. 

Specifically : My name, previous addresses, employers, and date of birth are listed incorrectly. 
Accounts such as XXXX XXXX XXXX XXXX, and XXXX appear on my credit report but lack verifiable proof of accuracy or legitimacy. 
Collections from entities like XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX XXXX are reported, yet I have not received evidence validating their claims. 
An unauthorized inquiry from XXXX XXXX on XX/XX/XXXX, is included, but I never consented to or authorized this inquiry. 
Under 15 U.S.C. 1681i, I have the right to dispute this information and require that the credit reporting agency ( CRA ) investigate and verify each disputed item. The CRA is obligated to ensure that all information reported about me is accurate, complete, and verifiable under 15 U.S.C. 1681e ( b ). If the CRA or the furnishers of information can not provide physical evidence to substantiate these claims, the items must be corrected or removed from my credit report.

This situation raises concerns about the integrity of the data associated with my credit profile and whether the CRA and the data furnishers are complying with Metro 2 reporting standards and the guidelines outlined in the XXXX Credit Reporting Resource Guide ( CRRG ). 

I am now awaiting a response to my disputes, expecting the CRA to either verify these items with evidence or remove them entirely from my report. Failure to address these inaccuracies undermines my rights as a consumer and my ability to maintain an accurate credit history.
Product: Debt collection

Penn Credit has continually called my phone searching for someone who owes them money, however, I am not that person. I have spoken with multiple staff members in XXXX of 2019 and specifically on XX/XX/XXXX, XX/XX/XXXX, and with manager XXXX XXXX on XX/XX/XXXX. I continue to get robocalls and voicemails asking for the person who owes the debt to call the number and settle.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account name XXXX XXXX  Account number XXXX In accordance with the Fair Credit report Act, Public Law 91-506, Title VI Section 611, please provide the names and business addresses of each individual with whom you have verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit card or prepaid card

I purchased a tour with my CITI card in XX/XX/2019 because it offered {$5000.00} in trip cancellation and protection insurance. In XXXX of 2019 this benefit was cancelled for new purchases but I have been assured that since my purchase was before the cancelation that it is still in effect. 

My tour company requires that I send the benefits wording in writing. I have called the benefits vendor ( CITI ) multiple times to get a written copy of these benefits. I've been told verbally that I do have the benefits but have been refused written proof. 

I had saved links to the original benefits but CITI had already removed those web pages and replaced it with current benefits. So without written proof, that CITI is refusing ( multiple times ) to provide me, these benefits will not be recognized by the Tour Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Everything about this collection is incorrect. The date opened is wrong. I never had XXXX in XX/XX/2018. The balance is incorrect. The account number is WRONG!!! This company is illegally reporting inaccurate information. They need to provide the last statement from XXXX proving date opened as well as the alleged balance and the account number. If they can not, this account needs to be removed immediately or further action will be taken!