23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had an old payday loan that was sent to Ad Astra Recovery Service Inc for the amount of {$200.00}. I am trying to improve my credit score and willing to pay the debt but I want a letter stating they will stop reporting altogether the account to the collection agencies after they receive payment. The customer service rep said he could only give me a letter showing paid. I was told that it will show paid from the current date which means it will stay on my credit from the current date and not the date it went delinquent, even though it shows paid it does not help your credit score. He said they can only send me a standard letter. I will pay the debt once I receive a letter stating that they will stop reporting the account to the credit bureaus, so I can that completely removed from my credit report.
Product: Payday loan, title loan, or personal loan

I have a personal loan with lending point. My credit union refinanced the loan for me, and overnighted a check to lending point. The name of my credit union is XXXX XXXX XXXX XXXX. I waited just over a week, to call and verify the check was received. I was told they show no record of a payoff check. I called the CU, and got the tracking information. We show the check was received on XXXX at XXXX and signed for by a XXXX. I sent this information to lending point and they stated they would look into this and call me back. I call back the next day to see if any progress was made, and was told that her manager did not come in, and her manager was working with accounting. XXXX XXXX with lending point is the assosiate I spoke with, and she said that she would look into his and get back with me. I then had to call back the following day as no one has called me, and was told XXXX is out to lunch and will call me back. I then asked to talk to a manager or supervisor, and was told they did not have one in today, and XXXX would call me back. A few hours later I get an email from XXXX asking for the amount of the check, so they can look thru there deposits. I get this information to them same day. I have called and asked for a call back no one calls. I have emailed XXXX asking for an update, or anything and info not get a response. They are charging me daily interest on the account, and Took out another payment today. They received the check on XXXX it has now been 16 days and no one even knows where the money went {$20000.00}. I have my first payment on the new loan XX/XX/XXXX, and I really do not want to be paying on two loans as it seems like no one at lending point wants to help. They stated they would call me back on Monday the XX/XX/XXXX and I have still not been able to get any information. I just do not know what my next step is. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates, LLC has been calling me non everyday for over 3 years. I have told them over and over again that they need to stop calling me. I have called the company personally and asked they remove me from contact list. They call almost 2-3 times in a single day. 

The conversation is no we can not remove you from our call list. We do not have a call list, you can not stop us from calling. 

They also say we are on a recorded line which I tell them that I do not agree to and still they continue to record my voice and call without permission. 

Over the past year I would say I have recived well over 300 phone calls from Portfolio Recovery Services and everytime I tell them to stop calling / remove me from there calling list. 

Portfolio Recovery Associates, LLC Disputes Department XXXX XXXX XXXX. 
XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a credit card through XXXX XXXX. I am a XXXX XXXX  XXXX  who is about to begin XXXX XXXX XXXX  XX/XX/20 in New York. I was rejected for the credit card on XX/XX/20 ( and I have been rejected several times over the last 3 years without understanding why ). On this most recent attempt I called XXXX XXXX and was told that TransUnion reported that my debt to income ratio was too great because I will be paying between $ 8000-9000/month on my student loans, >2X my monthly income. This is absolutely incorrect. I applied for the income-based repayment plan which will allow me to pay as little as $ XXXXmonth. I tried to call TransUnion multiple times. Once I was told that my student loan debt wasn't showing up. Another time I was placed on hold for 5 hours when I requested to speak to a supervisor. I am incredibly frustrated and need someone to advocate on my behalf. Additionally, I told TransUnion that they have the wrong last name on file for me ( XXXX, instead of XXXX ) and they have not corrected it yet.
Product: Debt collection

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Product: Mortgage

This is the email we sent to all XXXX companies involved and no response. 

This letter is intended to resolve XXXX way or another all the issues we had with the loan process and closing. Our daughter XXXX XXXX started her process XX/XX/year> for a first time home buyers loan. She was not told she was not eligible for this type of loan, her father was told XXXX weeks after she signed the declaration that she did not qualify for first time buyer and that she would need XXXX XXXX down due to a non-arms length transaction per XXXX conversation with XXXX and XXXX. At this time it was suggested that she do an equity gift letter. The first gift of equity letter was XXXX, which changed several times. They also changed her information several times and could not give a valid reason. Once we conducted our own research into this she was still eligible for XXXX XXXX due to the very first exemption per FHA guidelines, that it was her grandfather 's primary home. This information was sent to XXXX so they could reevaluate and provide new numbers and documents. XXXX and XXXX then stated they could use the gift of equity letter for closing cost and down payment. We ask where this money was coming from and it was told it would not come from either of us. It would come from equity gift letter. Finally, it was time for closing, and we were given a date and all numbers appear to be correct. While in closing we were informed the fees were coming from the estate account. So all fees came out of the estate account, which is the sellers account. So in all actuality, the gift letter did us no good. It just changed that XXXX did not pay the closing cost or down payment, XXXX had to pay both out of the net. They also were told many times that we wanted to net {$110000.00}. We netted {$96000.00}, a difference of {$13000.00} This was never told to anyone the first time we heard of it was when we were closing by that point we were exhausted and had gone over and over this several times trying to find out where this money was coming from to only find out it was coming out of sellers funds. We did not want to hold up closing due to all the issues we already had so we continued with the closing. This should never have happened. You had XXXX mortgage representatives, underwriter and a lender reviewing this. If this can not be resolved, and the funds be replaced, we will take this to the XXXX XXXX XXXX and seeking other avenues. This whole transaction was handled so poorly, especially for a first time homebuyer and then for a family who is grieving a loss during the process. If I were any of the XXXX companies, I would be ashamed of the way you handled this and conducted your business. Please respond to this with a resolution so we can move forward for all of us. You XXXX contact XXXX XXXX XXXX Thanks for your time. 



Sincerely, The XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A 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. XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

XXXX is the problem. When I first started using it it never said, make sure you are sending the money to the right person. Once the money is sent you were never ever getting it back even if you called your bank to explain to them about a transaction. Now when you send money it appears on screen to make sure you sending money to the right person.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

XXXX  ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$2300.00} on the XXXX - partial account number XXXX. ( Please see pages attached from my credit report. ) I had GAP insurance and the vehicle was deemed a total loss and the remaining balance due was paid in full from an extended warranty I had on the vehicle. This account needs to report a {$0.00} balance. There is no outstanding balance and therefore nothing to send to collections and/or to chargeoff. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$550.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX  Balance Owed : {$720.00} XXXX XXXX XXXXXXXX Balance Owed : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I Never did business with the creditor XXXX. Jefferson capital system is refusing to conduct a debt validation pursuant to the Fair Debt Collection Practice Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM LIVID!!!! This is my 4th attempt to correct my consumer report!!! 

These accounts need to be removed : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX These Addresses need to be removed : XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX , XXXX, PA XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX XXXX , XXXX, PA XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX , XXXX, PA XXXX I do not recognize these hard inquiries and they need to be removed also : XX/XX/XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , NY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX  The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

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 dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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 and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX ) the information is, in fact, inaccurate.

The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX  Identity theft. My information was also impacted by the XXXXXXXX XXXX XXXX and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA XXXX, XXXX XXXX. XXXX this information must be blocked immediately within XXXX business days.
Product: Mortgage

I have repeatedly requested for Ditech Financial to include my loan balance on my monthly statements. I receive the monthly statements reflecting the payment received but not the current loan balance. I have requested this history from XXXX 2014 to the present.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX (  XXXX XXXX says the account was open XX/XX/XXXX. Please investigate for removal. 

XXXX XXXX XXXX says opened XX/XX/XXXX Acct # XXXX on credit profile. 
I have tried numerous times with the credit bureau and they have not removed this item. I filing a complaint to have it removed. 

XXXX XXXX XXXX - XXXX Acct # XXXX opened XX/XX/XXXX. Debt has to be removed. This is incorrect. 

XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Please remove Reporting Inaccurately XXXX XXXX XXXX Acct # XXXX Please remove Inaccurate reporting
Product: Mortgage

We are in the closing process of the loan from Quicken Loans. Quicken Loans told me to pay my {$14000.00} car loan, my {$3000.00} Credit Card, and {$800.00} Credit Card. I am now debt free. Today they called and said my loan was being denied ( 5 days before we were set to close ) due to inconsistencies in signatures. They said our signatures did n't match and that they " appeared '' to be electronic signatures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Checking or savings account

I received a bank statement from Bank of America, for a checking account that I never opened. I called the customer service number in XXXX and was hung up on when i tried to report this as fraud. I called back immediately after that and was on the phone for 2 hours, most of it was waiting to talk to someone, and this account was to be closed. Today I just received another statement. I don't know what else to do.
Product: Credit card or prepaid card

I purchased 2 tickets with Chase XXXX  points and had to cancel them due to COVID travel restrictions at the destination. 

I was awarded credit to rebook travel anytime before XX/XX/XXXX. I called the Chase XXXX  department, to use the provided credit and they said their ticketing department had difficulties rebooking with my credit since XXXX no long offers the Economy Standard Fare class, which is what my original ticket was. 

Since then I have called multiple times and each call is hours ( 2-4 hrs each time ) with no resolution to use the credit and book any flights. At this point I have spent 11 hrs on the phone with Chase XXXX  and thats almost as much time as it would take for me to go to XXXX from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for assistance in saving my home and was denied assistance back in XXXX 2015. My servicer is SPS and I believe they were missing some of my income as the amount they used in that review seems incorrect. I have recently submitted updated financial information via my attorney ( XXXX XXXX, 2015 XXXX and I believe I qualify for a loan modification to save my home. However, SPS has set a sale date on my property for XXXX XXXX, 2015. I am worried they will not post phone my sale date and I am asking for the help of the Consumer Financial Protection Bureau in asking them to allow me to be reviewed for assistance.
Product: Checking or savings account

I have overdraft turned off of my bank account ; Instead of properly refusing the charge USBank ignores the setting and overdrafts the account. 

Usually I can get funds to get the charge waived, but I am stressed after having this setting disrespected by the USBank banking app. I would rather the bank respect the setting and not overdraft the account. 

I note that I have called them last year, and turned off overdraft in the XXXX  USBank app, both times they certified over the phone that they had turned off overdraft for the account ( in app via overdraft and over the phone with customer support )