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

XXXX/XXXX changed online systems which made it difficult to log in and submit payment. My card number was not known because I lost the card during a move from the Pandemic, and calling the lender was impossible since their phones were always busy. Making payments became impossible since I was missing either the card number or their online account management changed, and they wouldnt answer my phone calls throughout XXXX and XXXX. 

Even though I have plenty of resources to pay, I watched the account become delinquent because they made it impossible for me to give them information in order to pay. There were no resources when I tried to reach out. 

Consequently, the account is negative on my credit report. Determined, I spent a whole day calling the Lender dozens of times and finally got through in order to get an agent to take care of this. They removed the charges and I paid the bill ( {$30.00} or something small ) which brought the account current. They admitted fault and gladly brought the account up to speed and removed all late charges or associated problems. 

Since they let me know this wasnt my fault, I disputed this mark on my XXXX  report which they removed it. Equifax and XXXX  have not removed it. 

XXXX  after filing a report said that they agreed with me, but the credit report looks the same, so Im confused. Equifax wont allow me to submit a report and asks me to call customer service. It seems like they are all trying to make it difficult on purpose.
Product: Credit card

I received a letter in the mail, From TD Bank for XXXX XXXX stating that my account has a past due balance, which it does not as I have auto pay set up. 

I verified my payments have indeed been paid via automatic withdrawals from my bank account on both my banking institution website and my XXXX XXXX account home. 

Additionally, they have charged me a late payment fee. Which should not exist with on-time automatic payments. 

None of my previous statements are available for viewing, aside from the most current one, so I am unable to see how many months I have been charged late fees or other fees. 

I have been trying to contact them via the phone number listed on the website and have spent hours on hold. Nobody ever answers. There is no chat or email option. XXXX searches indicate many other people have this same issue with being unable to make contact with TD bank for XXXX XXXX. Calling other TD Bank divisions is not helpful as the different branches can not see accounts for all TD banking customers. 

I am at a complete loss as they are unreachable and was forced to pay my balance in full to avoid them reporting to the credit bureau that I am delinquent on payments, which they threatened to do in the letter mentioned above. 

I have attached documents showing my most recent statement including a late fee, the letter received indicating late payment and threatening credit reporting, the last few months of withdrawals from my bank account, my finance account showing payment for the most recent billing cycle and my 'unavailable ' past statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the deletion and removal of the following accounts and associated information from my consumer report. The listed accounts and information should not be reported, as their inclusion violates the FDCPA and FCRA. I urgently demand their immediate removal from my consumer report to rectify these violations and comply with the relevant laws. Please take prompt action to remove these accounts and information without delay. Thank you.
Product: Bank account or service

My account was charged a levy fee but I do n't owe anyone money. I only receive {$310.00} each month to live. This fee and overdraft fees along with extended overdraft fees have caused severe hardship.
Product: Debt collection

I was informed by credit agencies that Amsher is alleging I owe them {$190.00}. I can not find out an account number or who the alleged debt is through. My credit file is already locked and frozen and I am already recovering from identity theft. They refuse to follow up and verify any debt. I demand these false accusations be removed from my credit file immediately. If this issue isnt resolved within the next 72 hrs I will be suing for damages and time wasted with this negligent, false, unfair, and degrading credit reporting.
Product: Debt collection

XXXX XXXX, who is claiming to be an attorney, has called and text messaged me from XXXX XXXX numerous times after being told he is contacting the wrong person and has contacted me before XXXX multiple times. He has also called me from other numbers after being told I would not answer his calls. This morning he also forwarded messages to clients of my business. The debt is in my father 's name, he has called his place of work and numerous family members stating the amount of debt owed.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how GREAT AMERICAN FINANCE has reported my account to the credit bureaus XXXX and XXXX. These actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. I previously spoke with a representative from this company explaining to them that I had made changes to my account, and the representative failed to update the account correctly, causing it to appear as if I made a late payment. When I called and discussed this matter, I paid off the account, and the representative stated that the negative statement would be removed from my account since it was through no fault of my own. Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. GREAT AMERICAN FINANCE has also reported inconsistent and inaccurate information to XXXX and XXXX regarding this account. Specifically, the payment status states " Pays as Agreed '' on XXXX, while XXXX reports " Paid, was past-due 30 days ''. The date of last payment is reported as XX/XX/XXXX on XXXX, and XX/XX/XXXX on XXXX. XXXX has already taken action and removed the account from my credit profile due to the several inconsistencies and lack of evidence from the creditor. Despite multiple disputes, both credit bureaus continue to report this inaccurate information, indicating GREAT AMERICAN FINANCE has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.
Product: Mortgage

In XXXX of XXXX the XXXX household contracted XXXX. During this time XXXX and XXXX reached out to their bank ( XXXX ) to ask for XXXX assistance. XXXX immediately agreed and said it was taken care of. Unfortunately they mistakenly deferred their HELOC. When this error was discovered XXXX bank assured the Schmidhamers they would fix the mistake and defer the missed mortgage payments due to covid. Unfortunately many more errors followed and right before they were told it was all going to be fixed soon the loan was transferred to Mr.Cooper. The XXXX  then restarted the entire process for Covid relief with Mr.Cooper. Unfortunately the process lasted much longer than anticipated and ultimately it was mistakenly denied when Mr.Cooper requested a quarterly profit and loss statement for a business. The XXXX  do NOT own a business of any kind. Even though XXXX called on several occasions to address the issue and continued to provide months of paystubs by her employer and tax returns Mr.Cooper denied the claim because a document that does not exist wasnt provided. After this unfortunate event the Schmidhamers restarted the entire process over and were reassured again that everything would be fixed and not to worry. On XX/XX/XXXX the family received the news they had been waiting for. A letter saying congratulations and explaining the past due loan amount would be deferred and be due at the end of term with regular mortgage payments restarting on the date of XX/XX/XXXX. XXXX called Mr.Cooper to verify the letter and again had the long awaited good news confirmed. XXXX called again a week or so after to ask if the mortgage payments would be auto deducted and was told just to call on XX/XX/XXXX to make the payment. Unfortunately this was all later found to be completely untrue and the Schmidhamers learned that not only was nothing resolved but they would again have to restart the entire process. Mr.Cooper informed them that they missed the deadline to complete the paperwork for the USDA Covid relief they previously stated the Schmidhamers were approved for.
Product: Credit card or prepaid card

I opened a credit card with Chase Bank on XX/XX/XXXXXXXX  that offered a XXXX first statement credit and my first statement has arrived as of yesterday ( XX/XX/XXXX ) but the credit has not been applied. 
I did see online that they never applied the credit, and I did call Chase Bank on XX/XX/XXXX to ask why the promotion had not been applied and they said give it a couple days. 
In the meantime, I am accruing interest on the money that was supposed to he credited to me and I believe that is the strategy on Chases part. 
I have looked online and see Im not the only one who is experiencing this. I believe Chase is behaving in a predetory manner, trying to collect extra interest by delaying or never giving the promotion at all. 
Thank you
Product: Mortgage

XXXX XXXX approved my forbearances during the pandemic. I was going to get back to my old payments at the end, but they called me to go for loan modification. I made the trial payments as they instructed in XXXX - XX/XX/XXXX, and XXXX XXXX XXXX, but the loan modifications documents had wrong information and never went through. 

They sold my loan to Selene Finance in XX/XX/XXXX and I made my old regular payments to Selene Finance from XX/XX/XXXX. I found that the trial payments from XXXX - XX/XX/XXXX ( {$2000.00} x XXXX ) and XXXX XXXX XXXX ( {$2000.00} x XXXX ), plus a payment of {$2700.00} on XX/XX/XXXX, total of {$17000.00} were unapplied to my loan. 

They called me almost everyday and I asked them to explain to me what happened to those payments, they never explained clearly. I requested them do NOT call me but send their explanations in writing only, but they sent me the wrong information again and again. And they also kept calling me, when I answered the calls, they often hang up or have me listen to the music for a minute then hang up. I called and spoke to a guy on XX/XX/XXXX, and spent over an hour on the phone with him, but he was not able to tell me how they calculated my balance. I asked him to get a XXXX to call me back, and XXXX XXXX called me last week, promised to investigate and get back to me this week. But he called me today stating that nothing was wrong on their records but he couldn't tell me what's happened to those payments I marked on the activities of my accounts history, because he was not the one looking into them, and the people who did look into them were not able to speak with me ( the public ). I was really disappointed and upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX - ( I PAID OFF AN OLD ACCOUNT BUT THIS INQUIRY HAS NOTHING TO DO WITH THAT ACCOUNT. THIS IS A NEW REQUEST I DID NOT AUTHORIZE XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - THERE IS AN OLD XXXX ACCOUNT ON MY CREDIT, WHICH IS BEING REMOVED DUE TO FRAUD. THIS INQUIRY OCCURRED AFTER AND WAS NOT AUTHORIZED XXXX XXXX
Product: Vehicle loan or lease

I am writing today in regards to inaccurate data which is reporting on my credit report for the following account. American Honda Account # XXXX. At the completion of the lease. 

This account was set up on autopay without any incidence for years. I applied for a mortgage and was notified that an issue is reporting on my credit report in XX/XX/2021. This can not be accurate since this account was set on autopay. Once I was notified by the mortgage company of the issue I purchased the vehicle in full to avoid further issues. Yet the balance and past due amount are reporting which certainly can not be accurate. American Honda is neglecting me and has caused me harm. I tried resolving this and have not gotten anywhere. This is hurting my chances of taking out a loan.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

Soon checking the accuracy of my credit report I noticed XXXX XXXX Inquiry : XX/XX/year>, and XXXX XXXX Inquiry : XXXX. XXXX, 2024 are inquiries not by my doing I did not apply or authorize nobody to apply on my behalf!
Product: Credit reporting or other personal consumer reports

All three credit reporting agencies Equifax, XXXX, and XXXX have reported late payments which violate 15 U.S. Code 1666b, also I did not give written consent to be able to add anything to my report which Is a violation of the Fair Credit Reporting Act. The accounts listed below are accounts that show inaccurate information and are shown as open which is a violation as well. Not only that 15USC1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. " Also12CFR1016.7states that " A consumer may exercise the right to opt-out at any time. " I am opting out of your reporting services. 

The Accounts that are being reported as late are as follows : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is allowing creditors, who do not have any permissible purpose to report inquiries on my credir report. Transunion failed to protect my privacy and this has caused me all kinds of mental stress due to the fact that my reputation is being slandered. Since Transunion assumed a vital role in my life they have to insure that they exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Please restore my confidence. TransUnion received the letters i sent them to correct the issue on Friday XX/XX/ 2022 2022
Product: Mortgage

This in essence is not actually a new complaint unless my feedback was missed. So, I hope this will serve as my response to this ordeal. What I am asking is to be released by XXXX.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in several data breach 's. Reviewing my credit reports, I noticed some accounts I am unfamiliar with, I have asked the CRA 's for validation of debt. however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the info I am not familiar with. Also, I was a true victim of Identity Theft. Someone had electric in my name for over a year, at that time I wasn't aware of completing a FTC report. If I'm correct the theft was in the state of Michigan. Below are two websites that have my information. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Westlake Financial Services Account Due to Court Ruling I am writing to formally request the removal of an inaccurate item from my credit report. The account in question is listed under the name Westlake Financial Services, with the account number XXXX This account should no longer be reported on my credit file due to the following court ruling. Enclosed is a copy of the court statement, which clearly states : " ON THIS DAY, came on for consideration in the above-entitled and numbered cause the Receivers Motion to Terminate Receivership ( No Funds to Disburse ). The XXXX, having considered the Motion, the records of this XXXX, and the evidence presented, finds that proper notice to the parties has been made, the receivership should be terminated and the Receiver should be XXXX. Therefore, Receivers Motion to Terminate Receivership ( No Funds to Disburse ) is in all respects GRANTED as follows ; IT IS ORDERED that this receivership is hereby terminated, the actions taken by the Receiver during this receivership are approved, and the Receiver is XXXX and released from further obligations or liability with regard to this receivership. '' As the receivership has been terminated, and there are no funds to disburse, this account is no longer valid. Therefore, I am requesting that you remove the Westlake Financial Services account from my credit report immediately. Please investigate this matter promptly, and send me a confirmation letter once this account has been removed. I appreciate your timely attention to this matter. Thank you for your assistance. 

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

This company has reported two late payments on my account that were caused by their own application malfunction. For weeks I havent been able to connect my bank account to their system via their app because of an error message that I continually received. Then at some points I couldnt even access the app at all, it would just glitch over and over ( see attached ) Once I finally was able to connect it to make payment it was marked as late. I paid it all off and still cant use the app to this day. They have refused to remove the late payments even though it was not my fault
Product: Mortgage

To Whom It May Concern : I had applied for a refinance through the national Mortgage company named " Better Mortgage '' in XXXX of 2021. 

Everything was moving smoothly and I since my wife and I are self-employed and shelter most of our income we knew we may run into issues down the line with income requirements. I disclosed all this up-front with the understanding that we don't waste time going back and forth if this was already know and they understood and GUARANTEED a refund of the required appraisal in the case the loan did not go through. 

The appraisal was performed despite the loan being denied about a month later. 

I reached out mulitple times to their staff to ask that the refund of the appraisal costs be processed only to be ignored. One representative mentioned he would reach out to the refund department but then went cold since and the email is no longer responsive ( maybe that rep is no longer employed there ).
Product: Debt collection

I was contacted in mid XXXX from a place called Mediation Recovery ( MRC ) out of XXXX, Il. They claimed I owed a debt to " XXXX XXXX Hospital. '' I said that there is no place by this name I am aware of and I need more information. They said they are sending it via mail. The letter I received from them was dated XX/XX/13 and named the creditor as " XXXX XXXX. '' Again I called to find out who this creditor is, as I have never heard of " XXXX XXXX. '' They told me they would look into it and call me back with that information. 
I received no follow up call until XX/XX/XXXX, and again they insisted the creditor is " XXXX XXXX. '' I asked for verification of this creditor including name and address. They told me they could not provide this. I then insisted again and was provided the phone number of a community service organization that is not operating and that was not a medical facility. I called back to get more information and was told they would not be able to give me information about the creditor. 
I checked all three of my credit reports for this debt and found nothing on my report regarding a debt owed to XXXX XXXX or from MRC. I did find that in XXXX, MRC had viewed my credit report. I called back to MRC to find out who to direct my lawyer to at their company and they told me " we will get them to the correct department if they call. '' They continued to decline to provide the department or any further information for my lawyer. 
I made a complaint on XXXX  and found on consumerfinance.gov that they are supposed to give me specific information about the creditor. I called back again and asked for that information. This time they were rude and yelled at me that I had " disputed this debt and it was closed '' and that I should know that. 

Several complaints on XXXX  sound similar to mine, and it seems as though this company is fraudulent.