23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting to Experian that I still owe a debt for a car XXXX financed in XXXX. The car was paid in full on XX/XX/XXXX. The credit reports ( all three ) should reflect that.
Product: Debt collection

CREDITOR KEEPS CALLING AND LEAVING VOICEMAIL AT MY EMPLOYER PAYOFF IS THE COMPANY NAME HAVE CALLED 2 TIMES IN ONE WEEK XX/XX/XXXX XXXX XXXX  XX/XX/XXXX LEFT VM NOT SURE WHAT TIME THEY CALLED.
Product: Credit card or prepaid card

My general complaint is " authorizations and/or holds '' that are placed on cards by merchants for services to paid at later time and not taken away when bill is paid. When Merchant bill is Paid in FULL, any " authorization or hold should definitely be removed if not immediately then at the very least within 24 hours. 

My recent experience Suntrust Bank over this demands looking into to. On XX/XX/XXXX I checked into the XXXX XXXX XXXX used my Suntrust card and a {$120.00} was put on hold for this stay. 

Upon checked out I paid bill of {$250.00} In Full on another card. Later when I realized something not right was going on with the Suntrust Account and the XXXX. I called the hotel first and they assured me the problem was with Suntrust, so I immediately called my bank to try and resolved this, explaining that the bill has been paid. They said I would need to contact the hotel to get this resolved and I explained I already had and they said " You '' Suntrust Bank is holding this up from clearing. I was also told on this call that it could take 3-5 days to clear. I said that is unacceptable, especially considering you can take my money with the stroke of a key. So, you can understand the frustration if this has ever happen to you. It is like both parties are playing " you '' back and forth like a ping pong ball. So, I recontacted the hotel and they assured me they were not the reason for this charge still being on my account. So, I called Suntrust back again after a 10 minute hold and asked for a supervisor to try and get this resolved. So, when they spoke to me, they told me the same thing ... '' it is the hotel holding this up '' and now this time was told it could take 5-7 days to clear and which time I went off like a cannon on this dude. Plus, to my second surprise, I was told for the First time that the hotel would have to give them a " confirmation '' number in order to get this cleared. I said fine, let 's call them right now, the manager is sitting by the phone waiting for this call. This supervisor refused to call or help other than say " : they need to call us ''. Wow, isn't it great how they try so much to help their customers. Amazing!! 

So, I am sure this has cleared up by today and probably not still an issue, but I wanted you all to know how frustrating this process can be between merchants and banks and that most importantly the customer, the guest or the client, whatever you want to call them, We are the ones that suffers during this process and it should not be this way. 

Thank you for your concern, XXXX XXXX.
Product: Debt collection

Upon ordering my annual credit report I noticed the company Ad Astra on my file. The entry was from a " XXXX '' account. Ad Astra was sent letters to verify and validate the debt, but I never received documentation to validate nor verify the debt. Additionally by law consumers should receive Dunning Letters so that they may dispute a debt in question. To my knowledge, Ad Astra Recovery has never forwarded a Dunning Letter to my attention and my address has been the same for over 4 years now. 

The company has not provided any information including the original contract with Ad Astra. I do not have a contract with Ad Astra.
Product: Money transfer, virtual currency, or money service

As a part time XXXX XXXX I made XXXX instant withdrawals that were suppose to be sent to my b9 account. Neither of these instant withdrawals that I requested on XXXX  have been received. B9 has said this is XXXX fault but I have used both XXXX and XXXX XXXX  bank accounts with XXXX and I receive my money instantly as promised including XXXX instant withdrawals made with credit karma the same day as the not yet received b9 withdrawals. I want to know why this doesnt work with b9. The company is starting to seem fraudulent to me and should be investigated.
Product: Mortgage

Please help me, I 'm trying to avoid foreclosure and Chase keeps playing games telling me that XXXX XXXX XXXX p. XXXX ext. XXXX who first told me that my account is assigned to her, I called her asking her what was the status of the short sale was and she told me that my account was just transfer to XXXX XXXX one her co workers because she did n't feel like working with me. 
So I called XXXX XXXX from the short sale department who told me that the account was back to XXXX XXXX since the manager ( XXXX XXXX p. XXXX ) who re assigned the account back to her. 

I called the manager directly because I felt this was a game that all Chase is doing is delay the my request so they can foreclose on my home. I tired of their games and I really need your help to stop Chase from doing this to my family. 

XXXX XXXX
Product: Credit card or prepaid card

i applied for a Bank Of America credit card to earn promotional XXXX XXXX flyer miles. the card came and the interest rate was outrageous compared to my good credit score. i immediately contact BOA to cancel. now 7 months later and 3 additional requests to cancel this card, it is still active on all of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking about potential impact of Equifax data breach, I was notified that my personal sensitive information may be compromised. I would like to report this agency, Equifax, for allowing this to happen. There should be consequences in order for future protectors and users of our personal information to be responsible and held accountable for not adhering to best practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note I sent a dispute with XXXX and they responded that one of my debts from Medical Data Systems for {$200.00} were verified. However, on another CFPD complaint the company has stated that they have not been able to verify the debt. I am very confused that XXXX  is saying they verified when the company could not even verify the debt as this is false and deceptive. It has been more than 30 days and I demand that XXXX remove this debt from my file immediately.
Product: Credit card

I received my credit report from XXXX XXXX. There are a number errors. I do not or ever had a XXXX XXXX credit card. I complained about this error a few times over the years. 
I have never lived XXXX XXXX XXXX XXXX XXXX, or at XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. These errors were supposed to be corrected a few times but keep coming back. 
Thank you for any help you can give me. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is in response to your recent claim that the credit bureaus has verified that the accounts they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account ( XXXX ). I am formally requesting a copy of any binding contractual obligations to pay them the exact amount claimed. Any automated response E-Oscar verification is unacceptable. I am requesting a re-investigation and your Method of Verification.

According to 15 USC 1692c ( c ) if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consume, the debt collector shall not communicate further with the consumer with respect to such debt.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 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. ( B ) Reporting information after notice & confirmation of errors. A person shall not furnish information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
XXXX. XXXX XXXX {$31000.00} XXXX. XXXX XXXX {$15000.00} XXXX. XXXX XXXX  {$11000.00} XXXX. XXXX XXXX {$20000.00} XXXX. XXXX XXXX {$20000.00} XXXX. XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my EXPERIAN credit report recently and found some inaccurate reporting on my credit report. I wrote EXPERIAN a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. EXPERIAN is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : INQUIRY - XXXX - XXXX  - XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX I have never been late on this account. please correct inaccuracies in payment history... Attached is the letter i wrote to EXPERIAN in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Product: Debt collection

On XX/XX/2019 I sent a dispute letter to Midland Funding and XXXX   about a dept they say I owe and put on my credit file. I asked for proof of verification per FCRA but they sent nothing to verify their claim that this debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of 13 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 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report & saw accounts reporting that I do not recognize
Product: Debt collection

Midland Credit Card Company continues to contacted me before XXXX. I've asked them to stop calling, and they continue.
Product: Debt collection

To XXXX XXXX  i have previously sent u a request to validate my debt acct # XXXX. Under the Fair collection practices Act fdcpa i have the right to request validation of the debt you say i owe you.i have given you XXXX  days to remedy the situation which is a very reasonable period. I have received no reply from you though idid receive confirmation via mail you did receive my letter. Since you are still reporting this account on my credit report you are now in violation of fcpda and are now subject to fines of {$1000.00} which i may collect from u by filing a claim in small claims court. You should also be aware that reporting such invalidated info to major credit bureaus might constitute defamation of character as negative remarks on my credit report harm my credit.im sure your legal staff will agree that non compliance with this request could put your company serious legal trouble with the Ftc.
Product: Credit card or prepaid card

Hello, I hope you're doing well. I'm writing a new complaint because, I didn't receive the necessary documentation from Citibank to prove they could close my account for a payment that was returned on XXXX XXXX of {$590.00}. I paid the payment on XX/XX/2022 by debt card as soon as I realized the payment didn't go through. My credit card payment is due on the XXXX of every month. I have even paid over the minimum payment. My account shouldn't be closed. I requested a copy of the card issuer agreement. They refused to send me the card issuer agreement to back up their claims that Citibank has the right to close my account due to a one time issuance of a non sufficient payment. I paid the card on XX/XX/2022. This was two days later. I don't have a 30 late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Opened : XX/XX/2018 Balance : {$11000.00}
Product: Checking or savings account

Have had a checking account, debit card with Discover Bank since XX/XX/2018. Have submitted multiple IC3s, complaint forms, letters, etc., to all federal banking agencies in DC. You all should have big files on me by now, CFPB included. Closed checking account with Discover XX/XX/2018, as you can see only had this account for 6 months before the XXXX XXXX the fan. Spoke with an Agent XXXX, if, in fact, he is NOT a FRAUD, with regard to stolen checkbook, etc., still on going, woman of SUSPICION, XXXX, who cleans house where I reside, XXXX be a theft ring, XXXX. Today I noticed the number provided to me on my checks w/ this bank ( account number ) is 10 digits, looking very much like a phone number, decided to call that number and a woman answered, could be a coincidence or NOT. This needs to be investigated, you at the CFPB have to convince me this is a coincidence. Also confirm to me banking institutions can have as many or as few digits in their account numbers, not a consistent amount of numbers as instituted by the Federal Reserve Board. Another checking account I have has 12 digits for account numbers. With mega on going issues there seems to be a consistent pattern here with my banking. Please advise. Maybe a Set-Up, conspiracy, multiple questionable married into extended family members.
Product: Mortgage

My original mortgage with XXXX XXXX XXXX  # XXXX was sold to a company called Land Home Financial Services Inc as of XXXX of XXXX. I had automatic payments set with XXXX XXXX and all payments were made and I have never been late. I never received any notification from the new mortgage processing owner. On XX/XX/XXXXXXXX   I finally received a statement adding 'FEES ' to my mortgage monthly payment of XXXX, which they claimed are fees owed to them. I contacted the company multiple times via telephone, without any resolution. They do not have a website to see your mortgage or payments. I continued to submit my monthly mortgage payment via check because this incompetent company of loser does not offer web based payments, so it is like the XXXXXXXX XXXX where you have a mail a check to California. I have made my monthly payments and yet I keep getting a statement for XXXX without any explanation. The few people which answer phones are rude, ignorant and careless. They said XXXX XXXX just recently credited my accounts but they have not made any adjustments for those fake 'FEES '. I am raising this complaint and will move forward with litigation.
Product: Debt collection

Written Dispute was sent certified mail and receipt with the Transworld and XXXX XXXX XXXX on XX/XX/XXXX. Dispute was filed with XXXX, XXXX and XXXX. A direct dispute with the Credit Agency was filed on XX/XX/XXXX as a follow-up when no validation of the amount owed was provided. 

Verified that the dispute is still open with the Credit Bureaus. Called Transworld ( XXXX ) on XX/XX/XXXX and verified that they indeed received the disputed on XX/XX/XXXX and was awaiting XXXX XXXX to give them more information to validate the account, however continued to report the debt as derogatory against FCRA regulations on XX/XX/XXXX and XX/XX/XXXX and then again on XX/XX/XXXX and XX/XX/XXXX. 

Demanded that they remove the debt from my credit report immediately and the response that was given was they are trying to validate the account even past the 30-day timeframe from the initial dispute received on XX/XX/XXXX
Product: Credit card

I have a Chase Sapphire reserve credit card The balance for which was paid in full over a week prior to the statement closing date. However I was charged {$390.00} dollars for interest on a balance that was paid In full on the following statement. Chase refunded {$300.00} of interest but refused to refun the remainder.
Product: Debt collection

XXXX   2016  i filled a dispute against ERC  XXXX   XXXX   XXXX  in the amount of {$340.00} and on  XXXX   XXXX     2016  it was removed from credit reports all  XXXX  credit agency 's and now reported again as a new collection i had no warning no letter i received an email from my monitoring service that was added once again ... same amount from ERC i have filed another dispute with agencies and they said they nothing i can do ... how can they remove it and reopen it ... ..       thank you  XXXX   XXXX
Product: Debt collection

I want to XXXX XXXXhat I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Product: Checking or savings account

On XX/XX/2023 at XXXX XXXX. My account information including my email, phone, and password was changed on my Chime bank account. Within the next hour roughly {$20000.00} was transferred out of my bank account to various destinations. I did not authorize any of the changes to my account or any of the transactions Ill list below. 

The first was a transfer to user XXXX  XXXX for {$5000.00} dollars. I did not send or authorize to send any money to this user. This transfer has since been disputed and has been deemed and error and I have had funds returned. 

Starting at XXXX XXXX  the same day, a string of 7 transactions took place without my knowledge or consent totaling {$10000.00}. There were payments to two different websites I have never visited or received any services or products from either website. I have disputed these transactions and Chime has determined there to be no error, which is false. 

The last fraudulent item was a Chime credit builder account that was opened in my name which was not authorized by me. The account charged {$5300.00} to websites I have never visited or received anything from. Chime has also determined that there was no error here, which is again false. 

Chime provided no documents or feedback pertaining to the investigation in the email that let me know their were no errors found. 

I have made a rebuttal and requested Chime show me their investigation. I also have filed a police report with the XXXX State Police # XXXX. They are currently investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX corporation has Fraudulently Sent information to the Equifax credit company that I have opened a account with them. I have tried to reach XXXX corporation and they not returned my call as ofXX/XX/2019 XXXX. I have a complaint and copy that I hot from Equifax and Equifax has stated that they have a response from XXXX corporation that they have invested the dispute and have the finding. This is still a FRAUD case that I feel needs to be investigated. I feel a penalty should be placed on XXXX Corporation and Equifax for not informing of this Fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a XXXX XXXX credit card through XXXX Bank. Applied XXXX different times. 
Received letterS stating EQUIFAX has an extended alert on my account and to call them. 
Called Equifax- they state there is no such alert on my account. 
I have called Equifax on XXXX separate occasions over the past month. 
I have spoken to XXXX Bank 2 times. 
I'm stuck in the middle. 
There is no alert. 
My credit is excellent - XXXX. 
Equifax now says to call XXXX and have them call Equifax. 
XXXX says to come into a branch office for some reason. 
I need to be sure that Equifax will not be giving out bad information. 
Feeling frustrated and caught in the middle.