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

My complaint is against Midland Credit Management , Inc . 

The creditor Midland Credit Management forwarded the debt collection to law firm XXXX XXXX XXXX for legal action. The case was to be filed with XXXX XXXX municipal court on or around XXXX XXXX.for the amount of {$12000.00} I contacted XXXX XXXX XXXX on or around XX/XX/2022 And settled the account with a one time payment offer of {$10000.00}. 

The account was closed and the case through XXXX XXXX Municipal court was dismissed XX/XX/2022. 
I was told at that point to wait approximately 2 weeks for the activity to reflect on my credit report as paid.the communication would be sent to Midland Credit Management from XXXX XXXX XXXX. 
XXXX XXXX XXXX and XXXX XXXX clerk of courts sent me notification via U.S mail stating case was dismissed. XXXX XXXX XXXX sent additional receipts for payment, settlement and account closed. 
I have monitored my credit since XXXX this account is still showing negative. 

I have contacted XXXX XXXX XXXX 4 times requesting help on how to remove this from my credit they informed me that they Reported and informed mid land credit management that The account had been paid and there is nothing that they could do at this point. and that Midland management Was responsible for reporting the account not XXXX XXXX XXXX. 

I have called Midland credit management weekly since XXXX. And have Escalated the matter to their customer solutions department. They continue to tell me it will be a 7 to 10 days and the account will reflect on my credit. 

I have tried 2 times to dispute the credit reporting through XXXX XXXX. Midland credit management reported the balance being reported as accurate. 

I have all the documentation needed stating this account has been satisfied. I offered to send it to midland credit management they stated notarized documentation from the clerk of courts and receipts from XXXX XXXX XXXX is an unacceptable form of proof. 

I continue to call Midland credit management weekly and have the the same conversation. this account has been paid please Report it accurately on my credit report. they continue to tell me it will be removed/Reported accurately within 7 to 10 business days. It has not been. 

This negative reporting on my credit report is impacting my credit score tremendously and is keeping me from being preapproved for a mortgage and a loan to send my daughter to college.
Product: Credit reporting or other personal consumer reports

Transunion is not allowing me to file disputes an has deleted pass dispute investation results of two collection XXXX XXXX XXXX XXXX ( XXXX ) XXXX was to be removed XXXX $ I dont owe this debt it was removed previously under another collector an has been investagated remove this item second XXXX XXXX ( XXXX  ) for XXXX $ should be removed someone opened this acct while I was a resident of Illinois this is not mines and should be removed I did not open this acct
Product: Debt collection

Dear CFPB, Attached please find : 1-Notice to Debtor letter from XXXX Courts naming WILMINGTON SAVINGS BANK, FSB, ( WSFS ) as the creditor, 2-XX/XX/2020 letter from WSFS advising that it a trustee for the XXXX XXXX XXXX XXXX 

3- CERTIFIED COPY of XXXX County , NJ Deed Instrument # XXXX. 

On the NJ State Government document -Seller 's Residency Certification Exemption- included in the deed, WSFS, not in its capacity but solely as TRUSTEE for the XXXXXXXXXXXX XXXX XXXX XXXX checked off box # 5 which certifies that " Seller is not an individual, estate or trust and is not required to make an estimated gross income tax payment ''. 

We demand that WSFS dismiss the case they filed in XXXX Courts pursuant to their admission that they are not the creditor and that XXXXXXXX XXXX XXXX XXXX is not a trust. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit card or prepaid card

On or about XX/XX/2022 I was in Macy 's and made a purchase. I paid using my XXXX XXXX XXXX XXXX credit card. At no time during the checkout process did the store clerk ask me if I wanted to apply for a new credit card. 

Later that day when I was home I was alerted that Macy 's placed an inquiry on my XXXX credit report. I never authorized Macy 's to access my credit reports and this inquiry was thus made without permissible purpose, which is by law required. 

Further, Macy 's as of today has never sent me any notification about any credit application.
Product: Mortgage

I filed a previous complaint about our mortgage company, Ditech. We thought it had come to a conclusion and was thought to be completely resolved until I just pulled my credit report and Ditech has reported us 'late ' and affected our credit, which they said they would NOT DO. Here is the original complaint : Our mortgage was sold by XXXX to Ditech around XX/XX/2015. XXXX had paid or annual taxes from our escrow account prior to it being sold. Ditech then also paid our taxes for the year resulting in a double payment. We received a refund check from our taxes being overpaid by the county and were confused. When we called XXXX to inquire, they informed us that our mortgage had been sold. We had no idea. There was absolutely no communication on XXXX or Ditech 's behalf of this move. We then called ditech to see let what was going on. They said to send them back the check, which we did. They then proceeded to charge us twice the amount for our escrow the following month. Our mortgage payment was on auto-deducted out of our account. In effect, our mortgage payment was almost {$600.00} more than usual. We, of course, were expecting our regular mortgage payment to be deducted from our account and were not prepared for an extra {$600.00} coming out which resulted in overdrafts and fees. We immediately called ditech to fix the situation. They said it would be fixed in 8 days. 5 months later it has still not been resolved or fixed. They keep billing us {$600.00} over our regular mortgage payment and refuse to fix the situation. We have called repeatedly, had to explain things to each new person over and over. No one will actually help us. They keep telling us it should be resolved in 8 days but when we call to follow up it is never fixed. Throughout this process we have been paying our regular mortgage payment because we have no idea what else to do. They are now treating us as if it is our mistake and sending us 'loss mitigation ' letters, putting notices of non-payment on our door and acting as if we are delinquent on our mortgage payments. We do n't think they have officially reported us to the credit bureau but we are concerned that they will. We have pursued a lawyer 's help but would rather not go through the hassle and expense. We are at our wit 's end. We have tried to refinance with another bank but since our mortgage is less than 2 years old we have little equity. We have also requested to handle our own escrow account.
Product: Payday loan, title loan, or personal loan

Apparently when i initially got the loan in XXXX it was a bi-weekly payment of {$19.00}. That first payment was declined and i was never made aware because it was an account i was no longer using. But afterwards every payment was made on time. It was a {$500.00} loan, which was not scheduled to be paid in full until next year. I was in the process of buying a house and my lender advised me to pay this loan off. I paid it off in XXXX. On my credit report it was reporting every payment on time since i got the loan. Every time i called for questions i was never made aware i had a missing payment. Once i paid off the loan they backdated everything and THEN reported me as 30 days late. This caused me to be denied for a loan due to a recent 30 day late. I am wanting this removed as no representative made me aware i was 30 days behind the entire time of the loan. And i feel this is extremely poor business practice. You can see that every payment was made afterwards. Had i known this i would have made the payment. I attempted to speak to Moneylion about this and i get the run around saying to contact the credit bureaus. But i already disputed it and they will not fix it. If this can be fixed i can buy a house. At the time the way it is showing i will need to wait a year from the late payment to buy a home and this is highly unfair. Why would they report me being on time the entire time but THEN report me late AFTER i paid the loan off ... ... ... .. this seems highly fishy ... ... ... ... Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a dispute online to have the non mail able addresses and phone numbers removed from the credit bureaus. On XX/XX/2024 to each credit bureaus. Nothing has been removed yet.
Product: Credit reporting or other personal consumer reports

I am receiving numerous amounts of credit reports on my account that I do not authorize, they're from loan companies and they're pulling and affecting my score
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my and other 's data to be stolen, and then charges me to freeze my account. FREEZING and THAWING should be free.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit check services with Transunion, in about XXXX or XX/XX/2018. They had advertised it as " free credit checking '', and from then on, at least once a month, was charged a recurring {$19.00}. These charges have been taken out of my account for several months, without my knowing, and I never thought to check my bank statements, as I never knew they would be charging me in the first place. My bank won't help with disputing charges, so I need to come to CFPB. 

I have called Transunion, and of course they ask me all of my personal information just to get into my account. They couldn't help me since I initially filed online. They gave me an online account referencing phone number, but was able to cancel my subscription online. I have submitted here to the CFPB a screenshot of the email I received this morning from TransUnion, acknowledging my cancellation request.
Product: Mortgage

I refi'ed my home loan with NewRez. My original mortgage loan is also with NewRez. The closure documentation had an amount in the Payoffs and Payments as {$110000.00}, which is not the correct payoff of my loan. When I questioned XXXX XXXX about the amount, she stated that " The closing team always pads the total payoff amount by a couple of hundred just in case something goes wrong. '' So I signed the paperwork. 

At the time my loan closed/paid off my original loan balance, the outstanding balance to be paid off was {$110000.00} on XX/XX/XXXX. XX/XX/XXXX was the new loan disbursement date. However, I did make a payment to my original loan of {$680.00} on XX/XX/XXXX to avoid a late charge. 

I expected to get a check in the amount of the difference of the amount paid on my loan to what was paid, plus the payment made on XX/XX/XXXX. This would be {$880.00}. I only received a check for {$720.00}. 

I have tried to get the final pay off of my original loan ( showing the actual ledger balance to be paid and the payment made ), such as a final closing statement. However, the original loan is inactive and there is no record of the amount of the final balance, except for the payoff quote I downloaded prior to the refinance funding. the check I received did not have an itemized breakdown. When I questioned NewRez about this, they responded with only the Closing Disclosure again -- and when i provided them the email about the padding of the loan balance, no one has responded to my inquiry.
Product: Checking or savings account

I had my car broken into in my wallet stolen on Thursday, XX/XX/2022. There was {$210.00} taken out of my account using my stolen debit card. I called to report this to Chime, the bank, Immediately upon finding out. They advised I had to wait until the charge posts to the account. I waited until this happened and started a fraud dispute on Saturday, XX/XX/2022. I woke up Monday morning to see that my dispute was almost immediately closed and there was no attempt at contact or correspondence sent to me by chime. I called them immediately and they refuse to tell me why my case is closed, they hung up on me 3 separate times, and they refused to let me speak with the investigation team. I have attempted to reopen my case several times and immediately receive emails stating there is no evidence or cause to reopen. But then they wont advise what evidence is needed. Chime bank has not provided me any recourse to take not any explanation for their decision
Product: Checking or savings account

Want a follow of my case against Chase bank. Chase bank gave me a case # XXXX this was acknowledged by Chase CEO Dept. Submitted this case last XXXX XXXX XXXX. Still nothing done about complaint. Chase is holding & delaying my gov't pension. This happened since XXXX Chase delayed paying my gov't pension. Now XXXX XXXX XXXX XXXX received my XXXX XXXX gov't pension but until now Chase bank is holding my XXXX XXXX pension it's already XXXX XXXX nothing done yet. Chase said this case will be expedited? Here it comes XXXX week of XXXX no pension given to me for the XXXX of XXXX. Because of delaying my gov't pension I am demanding to DOUBLE the amount of my gov't pension for the XXXX of XXXX AS A RESOLUTION if this case. I supposed to pick up my XXXX XXXX prescription refills & pay my co-pay for meds because of Chase bank not releasing my gov't pension I can't even pick up my XXXX because Chase is holding my pension.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been refusing to remove a credit card and a collection from my credit report. I have filed numerous identity theft disputes with a valid police report for XXXX XXXX Police Department. My identity was used by a family member that temporarily stayed at my residence. She used my info to obtain credit and other goods. Ive been fighting with Experian since approximately XX/XX/2022. They have not been so friendly.
Product: Credit card or prepaid card

Bank of America prepaid edd card was fraudulent used and I reported a transaction that I never made for the amount of {$1600.00}. They never gave my provisional credit they didnt preform any investigations either. This was in XXXX they didnt mail me anything regarding this until XXXX of XXXX. I do have a transaction number for this. I have re opened this twice already and have not received resolution.
Product: Credit card or prepaid card

On XX/XX/XXXX, i purchased what i believed were plain, non marked jackets from a seller on XXXX. The package i received contained all marked, counterfeit XXXX XXXX XXXX. On XX/XX/XXXX or XXXX, i called Chase to file a chargeback for Counterfeit Item. Today on XX/XX/XXXX, i am notified by chase that the operator i spoke to filed the dispute as Incorrect amount, and that the evidence of counterfeit items i submitted meant nothing when they asked for more info on XX/XX/XXXX and now i am rebilled the disputed amount. I have been punished for the Chase customer service representatives mistake in filing the wrong dispute reason. If there is recording of calls like the automation says before a chase call, you will hear me specifically tell the operator this is for a counterfeit claim and they even repeat back to me that they understand i am filing the dispute for counterfeit items. They then proceed to file it for incorrect amount charged. I am not expecting this when they ask me for more information, so i submit the requested evidence which i believe they are asking for which is evidence of counterfeit. They are now telling me i can not re open this dispute and this is absurd and i have been robbed over a customer service agents stupid mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXXXXXX XXXX XXXX  The company received a certified letter stating that did not do a reasonable investigation on a company that is on my credit report. After the letter was received I began getting alerts that the credit bureau opened yet another investigation. My letter CLEARLY STATES this is not a dispute letter, this is a law violation. I reached out to the credit bureaus and their customer service agents stated they dont read the letters. I asked to be transferred to supervisors/ligations and was told I would receive a call back. That was 5 days ago.
Product: Credit reporting or other personal consumer reports

I did not authorize the six hard inquiries on my transunion credit report. The six hard inquiries are XXXX XXXX XXXX XXXX XXXX Navy FCU XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, Navy FCU XX/XX/XXXX, Navy FCU XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I called transunion today notifying them of these unauthorized hard inquiries and they flagged them and have me a complaint number as well XXXX. They than told me to file a complaint with the cfpb as now I am notifying you to investigate this.
Product: Credit reporting

I am a victim of identity theft. The following accounts are unauthorized and fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, U.S. Department of Education/XXXX, U.S. Department of Education/XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It shows that I have a few debts on my credit that does n't belong to me. One is XXXX XXXX XXXX and the other is XXXX XXXX. There 's a bunch of hard inquiries that do n't belong to me either from banks and retail cards. I dont have any retail cards. I only have 1 credit card and that is with XXXX XXXX. The one credit card account I have is n't showing on my credit either.
Product: Credit reporting

The PRIMARY reason my credit card use is high is a direct result of my brothers passing. I had over XXXX trips XXXX XXXX XXXX to XXXX to assist in my brothers care fighting XXXX. It was almost 2 years taking care of him, until his death. 

My airline costs alone was well over {$10000.00}. Added to that, I had rental cars, airport parking, food for my brothers family, cash advances, and other miscellaneous expenses. 

Additionally, I had to pay legal fees to straighten out my brothers legal issues, and around {$3000.00} in funeral expenses. 

So yes, I had a huge demand on my credit cards, but I also did n't have a choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I wrote Experian disputing incorrect personal information reported by the credit reporting agency. In the dispute letter I specified the rationale for my compliant according to FRCA U.S.C.1681i. I mailed the letter via certified mail via USPS. On XX/XX/2023, Experian replied to my dispute, stating the inaccurate personal information was updated to reflect my legal name and address. In addition, Experian also stated my credit score had increased by 20 points. Although Experian stated the information was updated and credit score increased, my current credit information remains unchanged as of XX/XX/2023.
Product: Mortgage

XXXX of this year I became 100 % XXXX. My county tax assessor told me I would no longer have to pay OK taxes. Than gave me lots of paperwork so I was informed about the free tax items I could buy and limits. I immediately notified my mortgage co., The Money Source. Gave them the information they needed plus sent them a certified envelope to ensure delivery, they received it on XX/XX/2021. I have the signed green sheet from post office. I than proceeded to call them, basically monthly. I got excuses, lies, and broken promises. I even had the tax assessor fax them another copy. The tax office received a computer generated slip saying it was received. Kept calling, they continued to blow me off, lie or hang up. So in XXXX while making my payment I included only interest. principle and house insurance, plus some additional money to go against principle. They started calling, telling me I was delinquent. If I didn't pay complete balance they would report me to credit bureau. Made the same payment in XXXX, and they didn't report me to credit bureau but did add a late fee. Now in the mean time I had filed a complaint # XXXX with the XXXX. Yesterday I received a copy of their reply to the XXXX and they said they mailed my escrow of $ XXXX in XXXX. Plus said I had a new amount to pay, less taxes. Problem is on next statement they say I owe {$1700.00} plus a late fee. Under past payment summary they show my two {$800.00} payments but as unapplied! I also received a annual tax and interest statement which shows my escrow balance and that they still have it. So they have also lied to the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Companies are reporting information that do not belong to me on my credit report. I've been denied credit because of this. I've called and talk to numerous people about this error. I am being ignored. Again these accounts do NOT belong to me. I have no idea. 

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

I recently pulled my credit report and was shocked and upset to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from credit report as 15 U.S Code 1681 is law please honored law and remove the negative items attached to my report. I am a victim!
Product: Credit reporting or other personal consumer reports

Hello! I am sending this complaint as I noticed that there were no deletion updates happened in my credit reports. I am a bit disheartened that the Experian, XXXX, XXXX Credit Bureaus have not removed any of these inquiries even in the first place. I hope this time the Credit Bureaus will remove these inquiries from my credit reports within 15 days : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting or charges and credits. This aligns with the recent CFBP findings against baby federal for similar practices, where transactions settled with insufficient balances despite initially available funds.i believe these practices are unfair and request an investigation into my account transactions.