23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We are in process of buying a home where this debt continues to be re-reported even though it has been paid to the collection company.      Fox Collection made verbal promise that by us paying the debt, the debt would be REMOVED from all credit b ureau 's. We were very clear that there was NO value in paying a debt and it being marked " paid '' as that only increases my score by   XXXX   XXXX   or  XXXX .     As of today, their negligence to fulfill their end of the agreement made by paying off this debt has again caused my credit rating to drop nearly  XXXX  points. Which additionally, this substantially impacts my mortgage rate.     Furthermore, to-date, they have only marked paid,  XXXX  credit bureau which causes substantial descrepancies in m y credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX  XXXX is listed on my XXXX credit reports and these accounts are inaccurate and were paid.
Product: Credit card

On XX/XX/2023, my wife went to XXXXXXXX XXXX XXXXXXXX to make some purchases less than XXXX. She tried the newer card and an older card issued to us and her as an authorized card user. 

It was declined and confusing. We already submitted a complaint about the lowering of the credit limit but why then now couldnt we use the card. 

I called and found out it was closed or marked inactive as we didnt have activity on it since XX/XX/2023. Some store cards close a person for inactivity within XXXX months. This action on the card companys part makes no sense. It is confusing and misleading. We were baffled and misinformed. We never knew such action was taken. How embarrassing to go shopping and my wife saw our balance was okay and could have used the card? 

This is not good how to treat customers.
Product: Credit card or prepaid card

This all started on or around the middle/end of XX/XX/XXXX. 

My account was closed for no reason. 

I went to check my account online only to find out that it had been closed. I tried to contact the company on this day only to find out that my account online had been suspended. Also I tried phone contact and the automated system is telling me the same thing and would not process my call for me to speak with a customer service rep. 

On XX/XX/XXXX I finally was able to get through and spoke with XXXX ( Supervisor in the Acct. Protection Services ). XXXX stated that the account had been suspended for fraudulent activity and that it was being looked into. I would be notified via email. I never received any type correspondance from Amex/Bluebird in regards to my acct. Every customer rep that I spoke with this day is telling me the same thing. 

So on XX/XX/XXXX, I called again and explained my situation to a customer service rep. Who responded with the same info as the call on XX/XX/XXXX. Now I ask to speak with another Supervisor. I speak with XXXX ( Acct. Protection Servicces ). XXXX says my account is still being investigated. It takes 7-10 business days. She went further on to say that {$28.00} was being sent back to sender ( XXXX XXXX ) & the balance of $ XXXX-a direct deposit transaction will be refunded via a check. Again 7-10 business days. Still no correspondance from AMex as to why the account was closed and when/where my money is, What transactions were fraud. nothing. 

i given plenty of time for some type of letter, something to be sent to me. I had a balance of {$66.00} left on the acct. It wasn't returned to sender and I have not received my funds back. These funds had been sitting on the account why wasn't it flagged upon deposit. Which by the way was from a legit bank account. 

Today XX/XX/19 I call the company again demanding an answer as to where my money is. I again speak with a customer service rep. who by the way had me on hold for like 15 min. only for her to tell me the same as previous, and that I would need to write the company. I then speak with XXXX ( supervisor ). She also had me on hold for like 15min. Today this whole call started @ XXXX and went on 42 minutes. Being put on hold multiple times only for XXXX to come back and tell me that I need to write the company @ XXXX XXXX XXXX XXXX, GA XXXX. Also that I will not be getting my money refunded to me for fraud. 

WHY AND WHERE IS MY MONEY. IM TIRED OF THE RUN AROUND. All I want is my money back. You can't just take my balance on my card, close the account and not say nothing to the customer. It's bad enough if you send me a check I have to pay to cash the check for my own money. 

To resolve this issue all I want is my money back. After repeated attempts to get answers and my money back your company is not doing anything to assist me and I'm 1 livid person right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  I inquired on XX/XX/XXXX, XXXX XXXX  XXXX inquired on XX/XX/XXXX The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX phone call was made I spoke with 3 different agents then they hung up. XXXX spoke with two agents that both said they transferring me to a special unit, however no one came and they hung up. XXXX I called again and spoke with 2 agents held on for 30 minutes they picked up asked my information dob ss address then said its two special units they have to transfer me the other
Product: Credit reporting, credit repair services, or other personal consumer reports

BASED ON AGE OF ACCOUNT BY XXXX ACCOUNT SHOULD BE DELETED XXXX. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
age of account XXXX XXXX XXXX : XXXX View account details Account status Age of Account Closed 10 years 6 months 24 days
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/TD Bank continues to report this account and it should be removed since it was first reported on XX/XX/2011 and should come off in 7 year window. XXXX  accepted an amount lower than the amount owed in a collection agreement but still continues to remove this account from my credit report. I have previously disputed as being paid and they refused to remove this and instead listed status as Updated in dispute. When I went through the collection process, I was informed that if I paid off the amount being requested, this would be removed from my credit report once paid and it has not been.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX, Arizona XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2 . The following personal information is incorrect Account Number : EMPLOYER : XX/XX/ 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

The collector keep saying they have legal paper going out to my home for over a year now the same harrasing calls most of the time it be from different numbers but same harrasing collector
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX, XXXX XXXX TN, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about some erroneous accounts in my report. You must correct these accounts that were opened without my knowledge, consent, or authority within 4 business days.These accounts are damaging my file and needs to be updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have called XXXX and TransUnion to correct my credit report. XXXX seems to have got it right. However, I have called TransUnion twice and also written a letter to their CEO to complain about one of their supposed supervisors whose attitude was deplorable and after spending an hour on the phone twice with TransUnion they still have things on my credit report that should have been removed. There are duplicates and the second person did not change one thing that I told her to. She was obnoxious and did not do her job and I am now reporting them for fraud as they continue to not correct the problems on my credit report. They have lowered my score since talking with this supervisor because they did not correct and they added an additional bankruptcy after I have worked very hard to improve my credit score and have done so with the exception of TransUnion. And they apparently did it with the blessing of their CEO. I want this investigated because after my husbands brain injury we have both successfully brought up our credit score and TransUnion has duplicates and has added another bankruptcy and their has been no such occurrence. I 'm sick and tired of the poor oversight on these agencies and with XXXX their is no actual phone number unless you pay for and get your hard copy report and then then they give you a number to call. This needs to be investigated. They have my husbands credit on mine and mine on his. And they have credit that was released in bankruptcy and should no longer be on my report. And they have accounts on their twice in a number of instances. I want them to contact me and we must get this score where it should be. The other agencies have, so what is their problem. And I want the CEO checked out to because he knows it has not been corrected and because he may know this person is allowing the corrections to not be made.
Product: Vehicle loan or lease

Santander stated loan would be removed from my credit due to a lawsuit filed against the company. Santander was required per the lawsuit to remove the balance off my account. Car repossessed and sold qualifies for a deficiency balance waiver and showed be removed.
Product: Debt collection

On XX/XX/2020, I contacted Lending Tree, Inc to request that a monthly payment be delayed or consideration given to reschedule the that monthly payment. Specifically, I requested some additional time to make the payment because I have been unemployed since XXXX, but have managed to pay each month on time utilizing the XXXX XXXX XXXX ( XXXX  ) Debit feature on my account despite the fact that I never authorized automatic XXXX  payments each month. Over the phone, the agent stated that the payment of {$1000.00} for XXXX XXXX usually taken on the XXXX of each month ), could be taken as late as XX/XX/XXXX. I specifically asked if I would have to make two payments in XXXX due the delayed payment for XXXX. I was told that I would not have to make this payment and I assumed based on the current pandemic that lending groups were willing to exercise some flexibility with regard to repayments. I also specifically stated at least three times during the call, that I needed to be sure that if I was going to delay the payment that the automatic XXXX  payment usually occurring on the XXXX of each month was rescinded/cancelled and would not be taken from the account. The agent stated that this was true : no payment on XXXX would be taken. I checked my checking account from which Lending Tree draws today, XX/XX/XXXX and discovered that the account had been debited {$1000.00}. This XXXX  occurred without my permission. This despite numerous assurances that no payment would be taken on XX/XX/XXXX. I called today and was told that the agent had not rescinded the automatic XXXX  payment feature and that two payments would be required to keep the account current in XXXX. In sum, Lending Tree authorized an XXXX  transfer from my personal checking account, received the funds, currently has control over the funds, after my permission to transfer for these funds was rescinded.
Product: Consumer Loan

The lender calls repeatedly each day although I have discussed the reasons I can not presently pay the loan.
Product: Money transfer, virtual currency, or money service

Alot people have information it's been exposed of people I been around all my life. I don't know much but I know I'm out of money and for some reason the money that's for me is being sent somewhere else and out of my reach and knowledge. It's like someone have power of attorney over me that I don't know of. 2017 and XXXX I released power of attorney 's that had THE POWER OF ATTORNEY over me in XXXX XXXX. It's really weird h XXXX XXXX someone can be power of attorney over you without your knowldge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX, I checked my credit scores on the website XXXX XXXX. 
Transunion indicates a XXXX point drop. Also, Transunion indicates that I paid off a debt of {$5400.00}. Usually when debt is paid off, credit scores increase by several points, not decrease. 
Furthermore, the account indicated by Transunion is not and has not been paid off. 
Of the other free credit score sites I use, there is no indication from the other credit reporting agencies that my score dropped.
Product: Credit card

I have attempted to resolve this issue on numerous occasions with the Care Credit card that is issued by Synchrony Bank. 

I made a standard purchase on XX/XX/2023 in the amount of {$120.00}. I made a payment in full on XX/XX/2023 in order to avoid interest and to remove the standard purchase from what is owed in total. I contacted Care Credit and had them allocate the payment to this purchase. It appears the allocation posted on XX/XX/2023. I have highlighted these transactions on the attached statement. 

I have contacted Care Credit by chat and by phone several times. Each individual tells me they have resolved the issue but the balance has yet to be cleared. 

As of today, the purchase is still open with a {$39.00} balance and I am being charged interest.
Product: Money transfer, virtual currency, or money service

The app is called cash app its an extention of square i have a mobile account along with a prepaid card. The problem first happen on friday the XXXX at XXXX XXXX it said i tried to send a contact {$200.00} dollars which was an accident made by me because the app was still open when i was rushing leaving work. 
I have emailed and verified as i was told numerous time in the past 5 days now leading up to a second week. back to back since friday of the occurring issue and it is still have a hold and freeze on my account and money. the transaction of XXXX dollars was done by me by accident i didnt even have XXXX dollars in my account to send and cash app has put a flag and frozen my account and money since friday around XXXX XXXX. I currently have {$73.00} being held. I can not get my money out, make a purchase, send or receive money. I can't do anything with the card my money is just frozen and sitting. It keeps telling me to verify my bank account, but i never put my bank account info on this card or app. And i dont have a bank account that was the point of me ordering the card so i can store money without fees and use as a prepaid card to send and spend money please help me with my problem. I have emailed them because their is no way to contact them except by email. They took forever to reply and now their just not responding at all.
Product: Vehicle loan or lease

Our loan is for a new vehicle loan that both our names are on. 

Office of the President is refusing to give me a reason as to why our extension was not granted. Also they are refusing to give us the Presidents name and contact information. 
My daughter and myself has tried to resolve the matter of payments due. And neither the representative nor the Office of the President is willing to give us information.
Product: Credit reporting 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 XXXX : XXXX XXXX, has violated my rights. 


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: Credit reporting

The creditor has now confirmed in writing it has no application, received the account from someone else, has no billing statements or receipts to provide on this decade old account. Strangely, it 's only evidence that the 'someone ' referred to the letter is me is that they claim they detected fraud on the account seven years ago and think they spoke with me. This is what serves as " verification '' these days, i.e. a spreadsheet containing what information they are reporting with nothing whatsoever to back it up. At this point, XXXX having made these statements in writing, I think it is incumbent upon Equifax to remove the account unless and until XXXX can respond with anything at all indicating this account is mine, or the account was used by me.
Product: Credit card

We went on to their system to pay the full amount owed and close out the account. We paid the full amount shown in their system as owed- {$440.00}. This was paid on XXXX and already included the late fee of {$35.00}. The account was at a {$0.00} balance after that payment. On XXXX they charged an interest payment of {$2.00}, but the account was at a {$0.00} balance. Since we had paid it off we did not go in to make another payment. They then charged us a late fee of {$35.00} on XXXX against the {$2.00} interest charge. Even though we had already paid off the account and should not have been charged anything we went ahead and paid another {$37.00} on XXXX to again pay off the account completely. However, they did the same thing and charged us another {$2.00} interest on a XXXX balance and another {$37.00} late fee. I called to try to dispute this and they refused to assist or properly explain how there was a {$2.00} interest charge on a {$0.00} balance. They did not remove the charges. I asked to close my account and for them to send me proof of closure. I have not received that yet and my account still shows as open.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and completeness of the open date associated with the account : XXXX XXXX XXXX Open Date : XX/XX/2019 I believe the reported open date is incorrect, and this discrepancy needs to be addressed immediately. Under 15 U.S.C. 1681s-2 ( b ) ( E ), furnishers of information are required to conduct a reasonable investigation when a dispute is made regarding the accuracy of information on a consumer report. In the case of XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX. XXXX, it was emphasized that verification of disputed information must be supported by comprehensive and accurate account-level documentation. Furthermore, 12 C.F.R. 226.25 ( a ) stipulates that such documentation should detail all transactions related to the account in question.

Given these legal responsibilities, I request the following : 1. A thorough investigation regarding the accuracy of the reported open date associated with my account.

2. The provision of complete account-level documentation that verifies the accurate open date in accordance with the XXXX case and applicable regulations. 

If your agency can not verify the accuracy of the information with appropriate proof of verification, I expect that the account will be deleted from my credit report immediately, in compliance with the FCRA. 

Please send me written confirmation of your findings and any corrections made within the required timeframe.