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

I have not received any response from these accounts I submitted for disputes : XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX CAP XXXX XXXX  Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about an unfair business practice by TD bank that resulted in a precipitous drop in my daughters ' and my credit rating. 
I am writing on co-signer for a personal loan that daughter took out from TD bank in XXXX while living abroad. ( In addition to the loan my daughter had a Savings and Checking account with TD bank which always had a healthy balance ). The loan was signed through a power of attorney provided by my daughters ' sister who lives in the US. 
My daughter set up an automatic monthly debit and paid every single installment of the loan on time. The last time her account was debited ( in XX/XX/XXXX ), she assumed she had paid off the loan. However, in XX/XX/XXXX, I noticed that my credit score had dropped precipitously. I investigated the drop and saw that there was an indication of an overdrawn loan from TD bank. I informed my daughter who contacted TD and was informed that the last installment of the loan could not be paid via direct debit, but through a financial services institution. My daughter never received any notices via mail, email, or telephone that the final payments had to be made through another method. When she phoned TD to complain they said that the final loan was overdue which justified their action.Until then my daughter had never once missed a loan payment, but because TD made no effort to inform her, or me, about the last payment method, both of our credit scores ( see attached ) were severely adversely affected. 
My daughter filled out the TD online form asking the bank to correct the information provided to the credit bureau so as to reinstate the previous excellent score we both had. TD bank responded that they had done nothing wrong and refused to take any action. 
I then contacted a local representative in XXXX NJ where my daughter had opened the original accounts asking for help in resolving this unfair practice and to rectify it. Last week I heard back from her that the bank would do nothing about it.
Product: Mortgage

SUBJECT : RETURN OF FUNDS FROM DOUBLE MORTAGE PAYMENT IN MONTH OF XXXX On or about XXXX XX/XX/2019 I authorized a monthly ACH draft from my XXXX XXXX checking account for the purpose of paying my mortgage to Freedom Mortgage. By XXXX XX/XX/2019 I had not received any form of written communication from Freedom Mortgage that verified the ACH draft would take effect. Therefore, on XXXX XX/XX/2019 I paid my mortgage payment via my on-line banking with XXXX XXXX. On XXXX XX/XX/2019 I finally received a letter ( dated XXXX XX/XX/2019 ) from Freedom Mortgage that stated my ACH draft request had been processed and that my XXXX checking would be debited on XXXX XX/XX/2019. I immediately called Freedom Mortgage and was told that it was impossible to stop the ACH draft on that day, and that I should attempt to stop the payment of the draft by my bank ( XXXX XXXX ). I called XXXX and asked that the draft not be honored. XXXX XXXX took all the pertinent information but stated that if the draft had already executed, it could not be stopped. And it was not stopped. 

Therefore, it is clear that I made two XXXX mortgage payments to my loan with Freedom Mortgage ; one was in error. I need one of those payments returned to my XXXX XXXX checking account. Both I and my wife are retirees and live on a very fixed income and budget. The {$2200.00} that made the second XXXX mortgage payment are the funds needed for our living expenses and other bills for the entire month of XXXX. 

After speaking to a Freedom Mortgage representative by phone on Friday, XXXX XX/XX/2019, I faxed to Freedom Mortgage the information above and a copy of my XXXX XXXX checking account information showing both payments had posted ( been paid ) to Freedom Mortgage. The Freedom Mortgage representative had provided me their fax # XXXX, which I used. On Monday, XXXX XX/XX/2019, I called Freedom Mortgage Customer Service # XXXX to inquire as to the status of my request for return of one of the two XXXX payments I made. I spoke with XXXX, id # XXXX, in XXXX, Indiana. I was first told that once the request had " been processed '', a check would be sent to me. I asked why an electronic transfer could not be made directly to my checking account. I was put on hold for several minutes. I was then told that " XXXX '' had told XXXX that once my fax " had been found '', she would have an electronic transfer made to my XXXX XXXX Checking account, and that would take 5-7 days. I expressed my disbelief that an electronic transfer takes 5-7 days, and asked to speak with XXXX 's supervisor. I was again put on hold for several more minutes. I was then told a supervisor was not available I requested to make an appointment with a supervisor and that request was denied. The supervisor in question is " XXXX '', also in XXXX, Indiana. In the final analysis, I received no confirmation that my fax had been located, nor that I would receive my funds any time soon.
Product: Money transfer, virtual currency, or money service

XX/XX/year>, XXXX XXXX deposit a check with {$30000.00} from XXXX bank into the business account. The money has been cleared on XXXX side, BUT Chase bank refused to cash the check and insisted the payer have to be verified the phone number on " their system ''. The phone number has been confirmed on public records with phone provider. Now the Chase bank ready to close my business account and keep that " forever '' until it can be verify on " their system ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX XXXX and Equifax refuse to correct the status indicator that is currently reporting a charge off on this very old closed paid in full account. I was told by a supervisor XXXX at XXXX XXXX and XXXX at Equifax that they will not fix the incorrect status indicator being reported as a charge off. I am trying to close on a house and both parties are blaming each other for the inaccurate information being reported on my report. Neither supervisor tried to resolve the problem that has been reported several times or that I was going to file a formal complaint in this forum and with my state attorneys office. I have provided Equifax with letters from XXXX XXXX stating that the account is paid in full and the status indicator should reflect as such and they have chosen to ignore and report the inaccurate information. XXXX XXXX has provided no assistance to resolve the problem outside of sending me a letter stating they have informed Equifax of the status indicator being wrong and telling me they will do nothing else and I need to contact Equifax who also told me the same thing I need to contact XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX This dont belong to me at all.
Product: Debt collection

In latter XX/XX/2020 I signed up with XXXX XXXX XXXX to help with my credit to repair it. They are doing an excellent job on removing items from my credit report. I do not have a complaint with them at all they are doing an excellent job. In latter XX/XX/2020 I felt things were at a standstill and I called PORTFOLIO RECOVERY about two of my bills that they have in their collections office. The accounts are XXXX XXXX account ending XXXX and XXXX 's last four ending XXXX. Both of these accounts are going to be three years old in XXXX. I called them to notify them that the cards were stolen out of my car and that I had a police report but they said there was nothing they could do. Right after that they added {$220.00} to the account and then they put it back on my credit report via the three bureaus. My credit score went down eighty-nine points. My question is how can you add {$220.00} to an account that is charged off and closed with XXXX XXXX but they added this amount like it was a brand new transaction. I have tried to dispute with all credit bureaus but they will not budge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this credit several times because the creditor keep re-aging the debt. The first date of delinquency was XX/XX/2015. The automobile was returned to the creditor in a XXXX XXXX XXXX filed XX/XX/2015 by the joint borrower. The creditor placed a repossession on my credit file at that time and has been re-aging the debt and reporting the loan as an open delinquent account. The credit bureau after disputing the inaccuracies of this creditor states they have validated the information with this creditor which is impossible if the account was first delinquent a XX/XX/2015.
Product: Vehicle loan or lease

The Company is USA auto Car dealership servicing financing buy here pay here dealership XXXX XXXX XXXX XXXX XXXX XXXXXXXX This company closed boarded up seven months after financing a vehicle with them. i went there because my car was not running or working like it should it would only go up to 40 miles an hour. I was told when any of the cars where in need of repait that I was to take to any XXXX XXXX they would repair and honor my warranty. I did go to XXXX  and they informed me they would no longer honer US auto because there agreement turned out to be fraudelent with them as well. 2. next took my vehicle to a depended mechanic i always go to XXXX XXXX XXXX XXXX XXXX NC XXXX the car for them to see what was going on with my car, when i picked it up thye said they would not simply even touch the vehicle it seem to be the engine was bad along with some very serious electrical problems he would not touch it it was so bad. I will give you alist of of issues i found from the beginning to finance this car. XXXX the vehicle is XXXXXXXX XXXX XXXXXXXX it had XXXX mile when finaced asing price was {$24.00} dollars the downpayment in two parts was {$1400.00} to pay the vehicle off in full somehow became {$40.00} after i really dig downed and looked hindsight after i was not getting the monetary credit of my XXXX payments each month 2.In the the time i had the car I had to pay 3 different finace companies without notice the finace companies were changing, thay were Us auto financing, XXXX XXXX when my problem began, lastly car repossed by westlake finacing to when i inquired found out they were not a fince company but credit collection agency who ask me for full price of the car threatened to repossess the vehicle, many letters from them, as of a week ago theydid take vehicle at XXXX in the morning never knocked took my dmv tags with them which have reported my tags lost stole. i want remedy ihave had pain and suffering XXXX XXXX XXXX XXXX XXXX  XXXX for over 25 years XXXX  on XXXX  I used that car to get back in forward to treatment until I could not no more. You will ask did I not pay my payments any more after no warranty, I was not able to find who I was paying my money to, I was not given monetary full credit for the payments I did make, and yes I would not continue to throw my money in the air like that, My last payment to these XXXX XXXX was XX/XX/XXXX i believe. so i just want answers and remedy.
Product: Student loan

After my daughter left college in XXXX 2015, she began to receive a bill from Sallie Mae in XXXX. Fresh out of college, she was working part time but the bill she received was for XXXX. She immediately reach out to them for Income based payment. We have both completed financial states and they refused to adjust her payment. I asked several times for options and they refuse to give any. They told her her account would have to go to the delinquent status before they could offer options. After 30 days late, they called again and she requested options but to no avail. They call 7 days a week sometimes up to 6 times a day with no resolution. They refuse to give a direct number for contact. I finally got a direct phone number and have left over 6 messages to the person they told me could handle the account. They are refusing to talk to me now because I told them the calls are being recorded but yet they reserve the right to record on their end. When I call, they tell me that they can not speak to me because they are not giving me permission to record their phone call and they hang up. Someone accepted a pmt arrangement and deducted the 1st pmt from her account only to call back a week later and said the pmt arrangement was denied. Now they wo n't take our phone calls.
Product: Credit reporting or other personal consumer reports

Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX SC XXXX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Inaccurate reporting, the account attached is in litigation. Under the doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. Also, see the attachments.
Product: Credit card or prepaid card

We got a bill for an annual fee for Citi Advantage card that we no longer used so we closed account. We have all our cc on paperless and pay in full monthly. So we saw a debit to our bank account for {$99.00} in XX/XX/XXXX and did not know what it was. So we contacted our bank XXXX and they said it was from Citi. We contacted Citi and using both my SS number and my wife 's they could not see any account in our name that we paid {$99.00} for. So XXXX returned this to our checking account. 
Three months later I received a collection letter for {$210.00}, with no mention for what. I found out after hours of calls it was from Citi. 
We have sent Citi a letter with supporting documentation of our bank account showing the charge and credit back in XX/XX/XXXX. 
We have received 2 notices confirming receipt of dispute on XX/XX/XXXX and XX/XX/XXXX. We still are getting monthly statements for this with interest so now it shows us owing {$210.00}. 
When I call the phone number on the dispute confirmation they tell me they can not find the account. 
Very frustrating since our XXXX score has always been over XXXX and we pay CITI over {$30000.00} per year on our Costco Visa. 
PLEASE HELP!
Product: Credit reporting or other personal consumer reports

I have a hard inquiry that was fraudulently made by citizen bank that I did authorize. Neither the bank nor XXXX are XXXX to fix this problem. Please help.
Product: Credit card or prepaid card

This is not a duplication of case number XXXX. This complaint has new information. 

I am following up on complaint number XXXX. My initial complaint was reviewed by Chase, and in its summary report, the credit card company stated that the money charged to my credit card for a service I never received was in hands of XXXX XXXX. Chase didn't help me with getting that money back from XXXX XXXX. I've tried calling them a few times, being sent to a voicemail each time I called the agent who worked on my case. I then called XXXX XXXX to request the refund for the flight reservations. The Customer Relations agent stated that since I purchased the tickets through XXXX, the money should be refunded by the agency. ( attached a screenshot from that email ) I then called XXXX. After looking into my reservation, the XXXX agent told me that the agency sends money to the airlines after holiding it for only 24 hours, and that now the money is with the airline. ( attached a screenshot from that email ). I then contacted the XXXX XXXX Customer Relations department once more. The lady I spoke with said that she only sees the original charge and the chargeback on my reservation. She said that the money Chase claims XXXX XXXX received on XX/XX/2020, was never posted to the reservation, which was the reason for the cancelation of the service. She said to contact Chase and ask for a tracking number of the rebill transaction. I tried calling Chase, but I never received a callback. At this point, I have all three parties, Chase, XXXX XXXX, and XXXX pointing at each other and saying the other party has the money and should refund it to my account. All I know is that I was charged {$380.00} for a booking that was canceled and for a flight that never took place, as XXXX XXXX canceled that flight. The travel party I was going to travel with received their refund within a week, I have been trying to since XXXX of last year. Can you please help with locating this money? Who has it and why no one owns up to it and won't refund it to my credit card? It is not only illegal but also morally not right to be charged for a service that never took place.
Product: Credit reporting or other personal consumer reports

I never gave anyone permission to access my credit report to put hard inquiries or collections on it.. I never gave anyone permission to run my credit either I need all things mentioned in my identity report to be removed immediately all inquiries and collections from XXXX XXXX Experian
Product: Vehicle loan or lease

XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, TX. The cash price of the car was {$17000.00}. I put {$200.00} down. The dealer convinced me I needed debt cancellation for an additional {$790.00}. I was also sold a preferred protection plan for 72mos or 70k miles for an additional {$2800.00}. Total financed at 12.54 % interest was {$21000.00}. my monthy payment is {$420.00}.
1 ) Dealer overcharged on price of car and products.
2 ) Single divorced parent of XXXX children with no knowledge of auto sales, taken advantage of by dealer and lender.
3 ) Ally Financial paperwork requesting extension and deferral of two payments to make loan current was approved on XX/XX/XXXX. Approval and proof of transmission of paperwork in hand.
4 ) Ally Financial in process of repossessing vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the collection account XXXX XXXX XXXX several times and this is the second attempted complaint in reference to this collection company and TransUnion credit Bureau. The original credit card company XXXX account was open XX/XX/XXXX, credit limit {$300.00} and was closed charged/written off XX/XX/XXXX. XXXX XXXX is reporting this closed account as open with a past due balance of {$750.00}. Incorrect reporting/inaccurate right? Again this has affected me adversely and as a consumer I'm held to a standard of practice why is the credit bureau and collection company are allow to disregard and or not be held accountable to the FCRA compliance. When notified of the error they reply with account verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my report from XXXX on XX/XX/2021. This is a fraud inquiry. I did not make or authorize anyone to pull my credit report from this company.
Product: Credit reporting or other personal consumer reports

A Car dealership ran my credit numerous times when they said they would only do it 1 time. So my Transunion report was ran multiple times without my consent. The following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were all not authorized and the dealer told me they would fall off my report in 60 days. To which they lied.
Product: Mortgage

I am trying to do a short sale on my home and the bank has come back with a valuation that is totally inadequate. No one came to my home to do an interior valuation. The bank only sent someone to do a drive by valuation. At this time my home has electrical issues and there is some semblance of mold in the basement. I have asked the lender to postpone the foreclosure sale to do a proper valuation and they are being unreasonable in their handling in this situation. I am desperate for some help/assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate credit information on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be removed immediately : Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX, XXXX Under federal law, you have thirty ( 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 fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, _________________________________________ XXXX XXXX