23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2019 a funds transfer credit XXXX XXXX in the amount of {$6200.00} was transferred to another account as instructed by the representative and a decline of all future transactions was placed on the prior account, which was closed on the same day to avoid any further charges. ; the account was closed and the representative placed a decline of all transactions on this particular account of 35 years. Representatives on both sides walked me through the procedures and assured me that there would be no more problems ; get a new machine, new ID and this machine would be protected. The old machine was cancelled from the account. a new account ID was suppose to be applied to the to avoid any future hacking ( hacking was verified by the merchant security department ) that could offer more security services so that transactions could be monitored. we purchased another machine which was recommended by the sales representative, received training on the new credit card machine which gave many options to protect the ministry. I provided the company the new bank account information ; three weeks ago so that in according to the representative, this would allow full use of the new machine ; I was told that the new account was in no wise to be touched by any means/ as it was in no wise connected to this account due to the old account closing. On XX/XX/2019, the new account received chargebacks in the amount of {$33000.00}, no notification, bounced checks $ XXXX overdraft. I contacted the bank who stated they had nothing to do with it ( even though the transaction reads Bofa ) they referred me to the merchant who informed me that they had sent paperwork regarding the charge backs because they were not able to identify where they came from and could not take the loss. They would contact me 3 to four business days to discuss their motives for leaving us without any money in the account.
Product: Debt collection

Meade Recovery Services LLC have been harassing me about a debt. I recently spoke to their representative and asked them not to keep calling me but instead, send me a written notice in the mail about the debt so I can properly respond but they did not. I was told by the representative that they will file a legal action if I don't pay the debt. 

On XX/XX/2021, I received two phone calls from them. They called my cell phone at approximately XXXX XXXX. I answered the call and nobody answered the line. A few minutes later, they called me on my home line. When I answered the line, nobody spoke so I called them back. I spoke to a representative and asked them not to keep calling me because that is harassment. They representative told me that " they are trying to help me '' this time.
Product: Checking or savings account

My debit card was stolen on XX/XX/XXXX and was used at many different places without my authorization. There is a total of {$2200.00} of fraudulent charges- at gas stations, grocery stores, and ATMs that were not made by myself. XXXX charges were of cash back at XXXX grocery stores- in a row. This is a Chase debit card and Chase refuses to investigate further. I have spoken to 3 supervisors in the fraud department.
Product: Credit reporting or other personal consumer reports

XXXX : Account : XXXX Name : XXXX XXXX XXXX  Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debt. But how is that possible? Under the laws of the FDCPA, I have contacted the agency myself, and they have failed to verify that this is indeed my debt. The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account No even that 15 U.S. Code 1666b said : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. i Never received a letter from this agency about i have late payment so this company totally failed by low..Delete this account from my Credit File. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Grain to fix an issue with the account I have with them so that my remaining balance can be paid off and no one has fix the problem I still cant access the account and they are still reporting negatively on my credit report. So its bringing down my report when it can be paid off and the issue can be fixed I contacted them XX/XX/XXXX of this year to try and resolve the issue they still didnt fix it I just reached back out this month as well and Im not getting no help with the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to PennyMac to let them know they were reporting incorrect payment for XX/XX/XXXX. They stated that they would update the credit bureaus to reflect no late payment for XX/XX/XXXX. I decided to check my reports due to an alert indicating PennyMac being reinvestigated, only to find out that PennyMac has made the dispute worst by continuously report incorrect information to both XXXX and XXXX. I contacted both agencies and this is what they said to me : " XXXX stated that they received an electronic notification back from PennyMac indicating a 30-day late payment for XX/XX/XXXX is correct. XXXX  stated that they received an electronic notification from PennyMac indicating a 60-day late payment for XX/XX/XXXX is correct but they did not provide any actual or physical supporting documentation to support their claim but stating account has been 30 to 60 day late and verified payment for XXXX is correct. '' PennyMac has sent me documents to show that I was never late in XX/XX/XXXX, yet they are still reporting to the above credit bureaus that I am. I have sent those same documents to both credit bureaus to correct the XX/XX/XXXX payment to reflect Ok- paid as agreed. They will not change it because they said it's the creditor ( PennyMac ) responsibility to make the change. Per the Fair Credit Report Act, the creditor & credit bureau must report accurate and verifiable information. In this case, they both are clearly in violation of the FCRA Law and they have caused major damaged to my credit rating and score since XX/XX/XXXX to current. 

Facts : Home was sold on XX/XX/XXXX and PennyMac received full payoff as of XX/XX/XXXX. So, how can I be 30 or 60 days late for XX/XX/XXXX when they received full payment on the loan with the documents attached. By the way, 30 days late does not start until XX/XX/XXXX, and loan was paid off on XXXX than 30 or 60 days late? The fact of the matter is, they are reporting incorrect lates against me for XX/XX/XXXX with XXXX and XXXX. If this is not corrected in a timely matter, I will be seeking legal counsel for damages. 

Enclosures : XXXX  Credit Report for PennyMac XXXX Credit Report for PennyMac PennyMac XX/XX/XXXX History to prove I was never late in XX/XX/XXXX Closing Disclosure dated XX/XX/XXXX from the sale of the home Escrow Refund Check dated XX/XX/XXXX P.S. How can I be 30 to 60 days late for XX/XX/XXXX when the loan closed on XX/XX/XXXX and the Cancellation Of Deed To Secure Debt dated XX/XX/XXXX does not constitute a late payment when PennyMac received all funds on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports yet XXXX, XXXX, and XXXX are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status, inquiry, and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge Off status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections, charge offs, late payments, or any other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumers within 5 days, I will be forced to officially file IRS form 3949A ; Information Referral AND IRS form 211 ; Application for Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Debt collection

I have disputed this debt with all the credit bureaus as well as multiple direct disputes to the collection agency via certified mail. They have never responded to my dispute and they have allegedly verified this debt as reporting 100 % accurate to the credit bureaus. I have disputed the balance multiple times with the bureaus and they verified it. I do not agree. I have asked them for the original contract to see if they are legally allowed to add the absorbent collection fees they have added. And they never responded to my dispute with in 30 days as required by law. In the past they have called and harassed my family members to try to get a hold of me. I am fed up with this company. This is my last step before i turn this over to my consumer protection attorney to file suit against them.
Product: Credit card or prepaid card

The Capitol One mobile app processed 2 duplicate payments today on the due date ( in error ), and the company told by phone that the extra payments would be refunded in 5 days. I want my money refunded immediately.
Product: Credit card or prepaid card

I made a credit card payment for XXXX on XXXX XXXX and only XXXX was applied to the payment and Im not sure where the XXXX was applied to because on the statement its doesnt show any details where my money was applied. The interest rate 29.49 % which I believed the XXXX was applied to interest. I reached out to customer service and the representative said she have no details about my credit card account I will need to sign in to my account and calculate it myself. I need some type of resolution about my credit card account.
Product: Credit card

Take a moment to go through the documents provided. I am urging the bureau to launch an inquiry into these accounts, as I have never been late on them, yet they are reporting me inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I am a member of XXXX XXXX law suit and my payment supposed to be in forbearance.But Navient who is not even supposed to be servicer for my loan continues collecting money while my loans should be in forbearance.When I ask Navient to put my loan in forbearance they say that they do not qualify.My loans are XXXX on a XXXX XXXX XXXX website but Navient is still trying to collect payment every month and told me that I still own them money.I stopped to pay them and they reported me to a Credit Bureau and ruining my credit.Navient is harass me at work by calling almost everyday and demanding payment on a XXXX loan amount.Navient website is still showing that I own them XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep receiving Invitations for my deceased husband to apply for a XXXX credit card. The company 's XXXX service is being supplied my late husband 's credit information from TransUnion and XXXX. I reported my husband 's death and sent confirmation in 2021 not only to XXXX when closing his account, but also to the three main credit-reporting buraus. I also placed a permanent freeze on his credit bureau accounts, so why do I continue receiving offers in the mail? Does a credit freeze and death notification mean anything these days? This has to stop, and these companies must be penalized. These nefarious practices from which they profit lead to credit fraud and ID theft.
Product: Credit reporting

On XX/XX/XXXX I disputed XXXX accounts as inaccurate/incomplete with specificity as to what wasinaccurate/ incomplete.on XX/XX/XXXX the investigation was completed with '' new information '' ( documents XXXX & XXXX ) .Both accounts are delinquent charge-offs and do not supply the basic '' date of first delinquency '', as required by FCRA.BOTH do not include the amount of lastpayment and other incomplete inaccurate info. ( documents XXXX XXXX ) .The creditors do not specify these items to completely report because it would then be calculable that both creditors charged penalty fees in excess of those allowable by the XX/XX/XXXX CREDIT CARD ACTwhich was fully implemented just prior to the opening of both accounts.I believe both creditors do not want to be paid ... ..because in writing off excessive illegal fees they make more moneythan if I would pay only the charges allowed by law ... ..so they earn more defrauding the tax authorities and the public.TRANSUNION should have deleted both accounts but they do notbecause the creditors are their customers and pay them to collude.TRANSUNION ISNOT ALLOWED TO REPORT INCOMPLETE /INACCURATE INFORMATION afterinvestigation, especially obvious, on the face of the record items.
Product: Mortgage

I currently have a refinanced loan with Quicken loans. In early XX/XX/XXXX I received a call from XXXX who only identified herself as a person with Quicken loans about my loan. She said XXXX had been trying to reach me about working on my credit rating. I said there was nothing that could be done about my credit rating because of my high medical bills out of pocket each month. She said that I should talk to XXXX that he had ways to help repair my credit. So I called and talked to XXXX and he said if I could get the two credit cards I have paid off that they would be able to remove the PMI from my loan. No one at this point every said it would be a new loan. All I was told was to get my credit rating up and they would remove PMI from my loan. I did as XXXX told me to do which was to sell off investments to pay off the cards. I understand now my credit rating is XXXX. This cost me about {$5000.00} in broker fees and money lost in money that would have been made had I left that money in the stocks and also monthly income that would have been earned. 
In the last week I have been getting calls from other Quicken loan officers about my new loan. I have never heard back from XXXX again. I found out today on XX/XX/XXXX that XXXX is a mortgage banker. I called today and spoke with XXXX he said now he never said he would remove my PMI that all he was doing was working with me to fix my credit which I have done so the PMI Would not be on my loan. Until today he had never told me that I would have to do a new loan and that the PMI could not just be removed. All he said he was doing was working to improve my credit so the PMI would not be on the now he stated new loan. This was the first time he used the words new loan. He gave me XXXX phone number and said I would have to discuss the terms of a new loan. I said I was not paying thounds of dollars for a closing and new appraisal of the house and witness fees and attorney fees to have XXXX dollars a month taken off my loan. I called and talked to XXXX XXXX Sevicing Resolution Specialist with Quicken loans who I had worked with before when I had problems with the last loan. He said I would have to talk to XXXX about terms of the new loan. That they could not just remove the PMI from my current loan until the 11 years were met or/and the life of the loan. I do have a call into XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have TransUnion verify public record information that appears on my report. I did not authorize and party or 3rd source to place public record if any to my report. I have reviewed my report with TransUnion and show that they continue to list a public record item on my report that has not be verified with original source. Also, I am aware of their XXXX automated verification system that does not comply per the FCRA law that such a system is considered a viable verification source. I am requesting deletion of stated public record reference number XXXX Circuit Court with no date of file for amount of {$69000.00} to be deleted from my TransUnion report due to not verified with original source and 3rd party does not consent to request information as such to be placed on my report. Also, per investigation I am requesting a copy of any documents bearing my signature of public record that show that stated amount is in fact a legal to collection or owed. If stated account is not verified bearing my signature within 30 days of compliant for investigation per FCRA it was be deleted.
Product: Credit reporting or other personal consumer reports

I ( XXXX XXXX ) have reviewed my Consumer Reports and noticed that I had ( 1 ) one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX : ( XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bankruptcy on my credit that is not mine. Please remove this bankruptcy immediately as I have never filed bankruptcy and it is only reporting on my transunion credit report. Please this inaccurate information.
Product: Mortgage

I have also experienced Green Tree telling me there is no other option to pay than a {$12.00} fee through a separate entity. In the beginning I was pressured to use this service. I was told that if I mailed a check that it had to be received by the due date no matter when it was postmarked. I began to pay through my bank account transfer and if Greentree did n't receive it on time, I was charged a late fee. I also experienced calls to pay for a bill that was already paid. I called and was told it was in an " unapplied account '' sitting for no purpose. I feel they do that to collect more interest by not applying it to the principal which was what it should have went to or at least credited to the next months payment instead of being called about defaulting. How can I default when they actually have extra money but put it into an " unapplied account '' and then call me and say I 'm delinquent? I never heard of an unapplied account anywhere. If I did n't recall paying extra, green tree would n't have told me about the unapplied account because all they are interested in is making money for themselves, using the unapplied account to keep the interest they receive higher by not adding it to the principal.
Product: Vehicle loan or lease

The loan was paid off by another bank who sent the entire check of XXXX to Ally. I only owed XXXX Ally now is Telling me that I have to wait 55 days to get the overage back. XXXX they owe me. I have tried phone call and email but I get nothing but canned responses and no satisfaction. I when I owed them money they didnt wait 55 days for me to make a payment. We live in a world with computer applications and electronic transfers, this transaction should take 2 minutes not 2 months. I am not interested in calling them to listen to more XXXX they need to pay their bills.