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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX
Product: Debt collection

I Had received Debt Collection notice in the mail, and I read it, I in return, took immediate action to write the grievance to inform for your agency of this wrongful accusation debt against me. yes Sir/Madame I am without guilt on this, or any debt owed by or for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my husband have a XXXX XXXX card that is not showing on my XXXX   account, and I also have a Citi Bank card not showing on my XXXX account.
Product: Credit card

I paid off my Macys Credit on XX/XX/2017, payment for the balance due had to be received by Macy 's on XX/XX/2017. To my surprise I received a {$2.00} statement from Macy 's at the end of XX/XX/XXXX for {$2.00} then in XX/XX/XXXX for another {$2.00} and now in XX/XX/XXXX for another {$2.00}. I called in XX/XX/XXXX and they said they would remove the charge, so I did not pay. In XX/XX/XXXX I did not call so I called again in XX/XX/XXXX. Now they say that it is interest due from my last statement ... .so why do they keep billing me for additional {$2.00} every month. I have paid off other credit cards and when I pay the balance due before the due date that is it! I do n't get another statement from them again unless I use the card again. I really think this is a total scam. I feel robbed. I know it is just {$6.00} but I feel it is just not right. I can see from other complaints that this is what they do with everybody. I can only imagine all those who do n't complain and just keep on paying the {$2.00}. I paid the {$6.00} due because this is affecting my credit ( I know they will report me for the {$2.00} being past 30 days ). Somebody needs to do something and stop Macy 's from doing this. This is just not fair to the consumer.
Product: Credit reporting or other personal consumer reports

Experian and XXXX failed to investigate errors on my credit report. XXXX XXXX XXXX  has reported a failed late payments on my credit report. XXXX has refused to update my payment history correctly as paid in full I have sent in many documents showing how XXXX XXXX XXXX  has been reporting incomplete information on XXXX in the payment history they failed to report on time payments. Experian and XXXX has different payments dates reporting. 

This is my late warning be I sue them. I spoke with my lawyer, my lawyer 's documents will reach XXXX and the credit reporting agencies immediately concerning this issues. All previous documents will be in the attachments.
Product: Payday loan, title loan, or personal loan

I purchased a piece of exercise equipment in XX/XX/2019. The terms were 0 % APR for 36 months. My payment should have been {$67.00} per month. I received my first statement for this account and it showed a second charge for {$880.00}, which was on an 18 month deferred interest plan. The payment required was {$99.00}. I contacted the company to dispute this charge and was told that it was a " system glitch '' and that it would be corrected. When the next statement came ( because you can not view the APR information on their website ) it showed that the principal balance of {$880.00} had been refunded, but they refunded it against the 0 % APR for 36 month portion instead of the 18 month deferred interest portion as they should have. This 18 month deferred interest requires a minimum payment of {$25.00} and the 0 % APR for 36 months has its own minimum payment. I contacted the company again and they said it would be fixed. I spoke with supervisors, waited on hold, and spent hours on the phone with icon fitness and TD bank. They each blamed the other for the issue, promised it would be fixed, and never fixed it. I filed disputes through their website in XXXX and XXXX with no resolution. By XXXX another statement came showing it was still incorrect, so I filed a complaint with the XXXX XXXX XXXX. 

Through the XXXX XXXX XXXX XXXX TD Bank promised to correct the error and reassured that my next statement would be correct. XXXX was still incorrect. I updated the complaint and they 'escalated ' it and it really would be correct by my next statement. I just received the statement for XXXX 's payment and it is still incorrect. Now, instead of one balance at 36 months deferred interest, I have two balances. This is keeping my payment inflated by {$25.00} per month. When I purchased the equipment I agreed to {$67.00} per month. By this time, they have been overcharging me for 7 months and seem incapable of making a resolution. I have updated the complaint with the XXXX XXXX XXXX, filed a complaint through my credit report and now with CFPB. This has been the most frustrating experience I have ever had to deal with from a professional company.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away 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
Product: Checking or savings account

On XX/XX/2023, at XXXX XXXX, I contacted customer service via phone and was informed that my account had been blocked due to unauthorized login attempts. The representative on the phone instructed me to visit any branch with my license to have the block removed. On XX/XX/2023, at around XXXX XXXX, I visited TD Bank in XXXX, NY to discuss my account with XXXX XXXX. However, I was advised to return the following day to speak with the fraud department as they had already closed for the day. 

On XX/XX/2023, at around XXXX XXXX, I went to TD Bank in XXXX, NY, and spoke with a representative who did not provide me with his business card. He informed me that my account had been closed due to activity on XX/XX/2023, at XXXX XXXX  that did not comply with TD Bank guidelines. He declined to elaborate when asked for further details and only provided me with a card with the number XXXX. He did not disclose his name during our initial interaction. 

I am aware that my account has a negative balance and made a deposit of funds via XXXX on XX/XX/2023, which was unfortunately declined. 

I was also unaware that the bank offered the option to block my debit card from approving purchases when there were insufficient funds. Additionally, I have not been informed of the specific reason for the closure of my account. I have not received any phone calls, emails, or other forms of correspondence regarding this matter. 

I experienced feelings of humiliation during my interaction with the representative at TD Bank in XXXX, NY, and I believe that I was not treated with the respect that I deserved. I am seeking a resolution to this matter and request that TD Bank in XXXX, NY take appropriate steps to rectify the situation, such as inviting me back in to reestablish my account.
Product: Debt collection

I am writing to dispute the validity of the collection account associated with Transworld Systems on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. Upon reviewing the details of the account, I have identified discrepancies in the information provided. First, I verified in XXXX 2023with XXXX XXXX that I did not owe money and that all current and past accounts were in good standing. Then, I requested information about this collections account from Transworld Systems which I never received. Additionally, I have never received a bill for this money owed nor have I been notified of this debt from either XXXX XXXX or Transworld Systems. 

I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership. 2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ California ]. If the statute of limitations has expired, the debt should no longer be legally collectible. 3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter. If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution.
Product: Debt collection

CAPIO PARTNERS LLC - Open Date XX/XX/XXXX Balance Amount {$55.00} CAPIO PARTNERS LLC - Open Date XX/XX/XXXX Balance Amount {$250.00} I called this agency and asked them what the debt was for, They advised me it was for a XXXX XXXX XXXX XXXX and this was a debt that was apparently from XXXX. I advised them that I do not owe any money to this agency and have never utilized their services. they are falsely listing this as a newly defaulted account on my credit as well as will not help in removing this information from my credit report and simply want payment. I have never received a notice from this company prior to this debt being placed on my credit and I am currently in the process of purchasing a home. this falsely reported debt may potentially cost me the purchase of said home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX, and Transunion on multiple occasions regarding identity theft fraud, which included numerous inquires that do not belong to me. Just recently I was notified that I have over 6 inquires on XXXX, 9 on XXXX  and 8 on TransUnion. Despite the fraud alerts, FTC complaints and proof of fraud, I am still getting inquires and numerous other inaccurate reporting which includes addresses, misspelled names and wrongful employers. I literally have worked for XXXX XXXX XXXX XXXX for 9 years, but they have me listed as retired. I need all of this fixed quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian are reporting two collection accounts on my credit that should have been filed with my insurance if they belong to me. I have no knowledge of these accounts. XXXX  is reporting 19 inquires on my credit that I did not authorize. Please remove all incorrect information.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report. To my surprise, I discovered numerous inquiries that I do not recognize and do not understand why they are there. 
As a consumer unfamiliar with these inquiries, I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. The inquiries listed below are unfamiliar to me : XXXX XXXX XXXX Auto Dealers, New XXXX on XXXX XXXX XXXX XXXX Mortgage Companies - XXXX XXXX XXXX on XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Mortgage Companies - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Unions ) on XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX on XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am seeking clarification and information regarding the purpose of these inquiries. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you provide details on who made these inquiries and for what purpose. Please also confirm if these inquiries have resulted in any new accounts or actions on my credit report. 
I appreciate your prompt attention to this matter and look forward to your timely response.
Product: Mortgage

That you fell behind on payments in XX/XX/XXXX and applied for the Vermont Homeowner Assistance Program. 

That Mr. Cooper submitted a V-Record to XXXX indicating that you were behind for your XXXX XXXX payment and that your reinstatement amount good through XX/XX/XXXX was {$9800.00}. 

That VHAP disbursed funds of {$9800.00} to Mr. Cooper in early XX/XX/XXXX. 

That Mr. Cooper improperly applied the XXXX funds and that your account is still indicating a large escrow shortage and late fees that should have been paid off by the XXXX funds.
Product: Debt collection

CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. I never receive written notification of this alleged debt at my address oXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mother passed away. Was locked out of mortgage for a while causing it to fall behind. Once we closed probate me and the mortgage company entered into loss mitigation and a loan modification. I was told to make payments in time for 3 months at the end of the three months I would be given all the paperwork I need to have the mortgage transferred to my name. This is my primary residence and I had full intentions on staying here. The paperwork was sent out in XXXX, I mailed it back and was told that I signed it wrong and needed a copy of the death certificate to accompany the paperwork. I immediately reprinted all the paperwork and paid for my own overnight shipping. They received it all, accepted it and told me it was in underwriting awaiting final approval from the lender. On XX/XX/XXXX I spoke with a woman named XXXX XXXX who told me that it was still in underwriting but the paperwork she was seeing they had me sent in was all erroneous and not the proper paperwork I needed and that she could almost guarantee that I was GOING to be denied. This Friday the XXXX I finally heard from them again where they stated I was told on the XXXX that I was denied ( I was not told that I was denied yet ) and when informed that it was due to them sending me the wrong paperwork they said they would try to escalate the issue to stop the foreclosure so we could straighten everything out but they couldnt promise anything. I have kept up every stipulation made with this company and now Im in fear that even though Ive done everything asked and made all my payments that they are going to take my home and the only thing I have left. I have documentation and records of every time Ive called, emails containing the wrong paperwork, emails containing the right paperwork XXXX XXXX sent me on the XXXX and all my payments made.
Product: Credit card or prepaid card

This complain is about a dispute on my Citibank Universal card account, last 4 digits ending in XXXX, that was opened last year on XX/XX/XXXX but remains unresolved as of today for a whole year. The case has dispute ID XXXX for an amount of {$5600.00} on a XXXXXXXX e-ticket XXXX Federal regulations requires disputes be resolved in 60 days and no more than 90 days. 

The e-ticket is refundable. It was cancel and XXXX confirmed the refund of the full fare on XX/XX/XXXX. However, only an amount of {$150.00} show up on my account, resulting in an amount of {$5400.00} in dispute. Citibank takes more than 3 months to came back with an investigation result on XX/XX/XXXX. It concluded that XXXX had issued a credit, but did not address the question of why there is only a partial refund of {$150.00} on my account, but not the full amount. The investigation was incomplete, but still they close the case and re-billed my account. 

After further information was supplied to Citibank, the case was reopened. Several communications were made, the last one from Citibank being on XXXX/XXXX/XXXX, in which Citibank told me to be patient. I contact Citi on XX/XX/XXXX again, but have no response from them so far. 

From the date XX/XX/XXXX when the dispute was opened to XX/XX/XXXX to when Citi complete its first investigation, was 106 days, more than the 90 days allowed by Federal regulations. Even then, the dispute remain unresolved and open, and by now it is more than XXXX year. 

In addition, on XX/XX/XXXX Citibank closed my Universal credit card, the reason being returned payments in the last 6 months. This is not true. The account is always current and have exceptional payment history on my XXXX credit bureau report. Also there is no return check and return check fee on my account for the last 6 months. 

According to federal regulations, restricting or closing by creditor of account regarded by obligator to contain a billing error is not allow. Such action is being regarded as an action to collect the amount in dispute. 

Effect of noncompliance with Federal requirements by Citibank forfeits any right to collect from me the amount in dispute and finance charges thereon. I request the refund of the dispute amount and interest into my account, and also the reopening of my account ending in XXXX. 

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

I have disputed portfolio recovery accounts multiple times with XXXX. XXXX have failed many times to properly verify these accounts. Portfolio recovers keeps sending me a account statement saying this counts a verification. According to the law it does not count as verification. I can create a statement saying anyone owes me money. According to 609 Credit act they need to prove this account is mine. They havent gave me proper documentation to prove these accounts are mines.

XXXX has deleted all these accounts on my credit report.

XXXX  has deleted 2 out of the 3 so far I expect XXXX to delete all 3 off my reports.
Product: Credit card

On XXXX/XXXX/2016 ( see attached ) I paid the remaining balance of XXXX Capital One Bank credit cards and closed XXXX accounts using the telephone method. The amounts paid were {$1500.00} and {$1200.00} ( see attached ) and I received an email confirmation of these transactions. On XXXX/XXXX/2016, charges/fees appeared on each account ; XXXX for {$25.00} and {$22.00} ( see attached ). Since I requested payoff amounts on each account, there was no need to charge me interest 24 hours following closure of the accounts.
Product: Credit reporting or other personal consumer reports

I sent a letter to Agency for Removal of XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$870.00}. They responded with account valid. I contacted original creditor XXXX XXXX that did their own investigation and found I was no longer responsible for this debt due to Identity theft. I have attached proof of this with a letter in this complaint. I also submitted this to the Agency and they did not remove the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous problems with my credit reports and I am including a letter to descibe all of them
Product: Debt collection

I have no knowledge of this creditor or this debt. I have reached out asking them to stop reaching out to me and remove this incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not any of the companies on my inquires I havent done any business with these companies
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX continue to report an alleged debt that is inaccurate. 

Medical debt that does not exceed {$1000.00} can not be reported. 

The reporting agencies must maintain 100 % accuracy and this account does not meet those standards. 

Date Opened : XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection Medical Subject has not satisfied debt. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX XXXX
Product: Debt collection

This company calls my business looking for someone that is not here. They fish for personal information. They use threats and intimidation. They are rude and obnoxious. They continue to call even though told that the person they are asking about is not here. 

I will not be threatened by some random low level XXXX XXXX collection agency looking for information on someone not at this number. If they call again, I will call the police.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Annual Credit Report on XX/XX/2018 at XXXX to get my yearly credit report. when I received my report I looked at it then XXXX XXXX notified me that I had a Hard Inquiry on my report called 2nd factact IDid Not Request this!!!!!! I called Transunion they told me they would not remove the inquiry because it was considered a soft inquiry I said no it's not! So they will not remove the inquiry. When you XXXX  2nd factact and look at the phone number it Says TRANSUNION. I want TransUnion to REMOVE this inquiry from my credit.
Product: Credit card or prepaid card

An XXXX XXXX was opened with Comenity Bank using my info fraudulently. After several attempts of contact, I was unable to make headway on cancelling the application and thus the card. Instead, I used XXXX Bank credit and fraud services in conjunction with XXXX to contest this application and item on my credit report. They were able to successfully work with Comenity Bank on getting the card closed and application rejected as fraudulent. XXXX is also working to remove the application and card from my credit report with all 3 bureaus and has placed a fraud notice on my reports for future inquires.
Product: Mortgage

Since XX/XX/19 we have been trying to get the restricted escrow money in the amount of {$4700.00} released to our contractor. Our house closed in XX/XX/2019 and it was too cold to pour concrete so money was withheld at closing for the contractor to come back in warmer weather and complete the concrete work.The work was completed in XX/XX/2019. This amount is separate of our traditional escrow account. Multiple supervisors have been contacted, multiple " incidents '' have been filed to try and get this money released. As of today XX/XX/19 money is still not paid to our builder and a lien is being threatened on our home.