23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notice from one main financial asking me to go to a police station and have a paper signed in front of the police officer. I am XXXX, are they suggesting that I do not have a XXXX XXXX or XXXX  because other companies just remove the hard inquiry. I have not seen such resistance from a company that has violated my rights. Has no proof that I requested any type of services with that company. Has not been able to prove that I was at a branch location as listed on my XXXX and XXXX credit report. Are now stating through this letter that they have multiple lending partners and maybe I HAVE issues now with My MEMORY!!!!! WOW. This is harassment. I feel violated, This has cause a XXXX XXXX, With my medical condition and the external factor being presented with this letter. One main financial needs to either remove the hard inquiry of my credit report, or explain why there are not able to do so.I do not need to go to a police station or send in a statement after they have not been able to prove that the hard inquiry belongs to me. This is a deceptive Business Practice. How many consumers are being affected by companies that will not admit to their mistake. Please Assist Me. Thank You.
Product: Prepaid card

Hello I filed a dispute with chime because I used my card on a website and was not given what was offered from there website. I provided complete proof to chime emails ect with the merchant offering me a refund. Chime denied my dispute. I now had to resubmit a rebuttal with them and I'm still waiting its been over XXXX months now and counting I was told I would get a provisinal credit and still have not received it even after submitting all information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX XXXX this account XXXX XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The account provided I requested Transunion whom is the only bureau reporting this fraudulent account to verify the information with this account for I did not recognize it. I only received letters simply stating account verified. However I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My attorney suggested I file this complaint.
Product: Checking or savings account

In accordance with the The Fair Credit Billing Act of 1974 the XXXX XXXX statement regarding double billing is attached. XXXX XXXX was presented for settlement. This personal statement is being provided regarding the XXXX XXXX transaction solely. This does not authorize anyone to contact XXXX XXXX or act as a representative of the account holder. Chase bank card XXXX was not authorized for completion of this transaction and it was never presented to be physically swiped for settlement with this merchant. Duplicate billing has occurred and all billing should be removed from card XXXX. This is a request for the proof of the authorization date and time of card XXXX being swiped at check in or check out.
Product: Debt collection

I noticed that a bill city collection was on my credit account. The original debt holder was a power company who stated that I had power with them in Indiana. Ive never lived in Indiana. Bill City informed me of all the documents that I needed to provide to them to verify it wasnt me. I sent them a police report that I filled regarding the identity theft, my lease agreement with my apartment complex during the time period of the power bill, my identification, and the information I had to complete with the identify thrift website. After doing all of this the account was removed from my credit report. I check my credit report Thursday XXXX XXXX because I received an alert that I new collection had been added to my account. Bill City had put the collection back on my credit. I called the em and the lady stated that she seen the paperwork and that it had been removed and then placed back on but the original best collect told them to place it back onto my credit report and that I needed to call them. I know that once a debt is sold to a collection agency the original collect doesnt have anything to do with it. She insisted that I call and they told me the same thing that they didnt tell them to put it back in my credit report that they sold it to them and had no say so. She stated that she would escalate my call to upper management to see what can be done to fix the issue. I still havent heard back from neither party and the negative account is affecting my credit and I need it to be resolved once again.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the reporting of a " charge-off '' related to the account associated with my name and credit history. It has come to my attention that XXXX XXXX XXXX has improperly reported this account as a charge-off and potentially transferred it to a third-party debt collector. 

According to the Internal Revenue Code and applicable legal standards, a " charge-off '' sent to a third-party debt collector is effectively a certificate of indebtedness. Under these regulations, certificates of indebtedness are considered income, and they should be accompanied by IRS Form 1099-C , which reports cancellation of debt to the IRS.

Since a charge-off is treated as a certificate of indebtedness, it is also considered income under federal tax laws. Therefore, this charge-off entry on my credit report is incorrect and must be removed immediately. By continuing to report this transaction history without properly issuing a 1099-C or acknowledging its income status, XXXX XXXX XXXX may be violating federal tax laws and consumer protection regulations. 

Additionally, it is illegal to report transaction history that misrepresents the nature of the debt, especially after it has been written off or transferred to a third party. This improper reporting can have a damaging effect on my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit i notice that someone is Using my personal Information which make me very upset i did not give anyone Consent to open any Accounts using my personal Information this report is to help me I'm taking the necessaries step so this situation will be Resolved i no longer want to be a victim of Identity Theft
Product: Mortgage

I went to Quicken Loans website to get mortgage rates for an investment property ( because they are reputable enough and I also have 2 outstanding mortgages with them ). Even though their website as deceptive practices to invite clients to get rates and they request a lot of personal information first, at then end they said they appreciate me and to finalize the request to call them. So I call them and MLO # XXXX - XXXX XXXX answered, he proceeded to first asked me all my personal information ( even tho they could use my profile as a customer or could use the information i had entered in their online questionnaire ) and after that he said the only way to give rates is to pull a credit - this was never disclosed anywhere in their website or by him before taking my info. I asked if Quicken Loans has a policy where they do not whatsoever provide any kind of rates unless a credit is pulled and he said yes. I then spoke to the Executive Officer and spoke to XXXX XXXX ( ext XXXX ) and explained how i felt Quicken Loans violated Fair Lending Act by making me feel they wanted to obtain my personal information : full name, address, phone number to then say now we need to pull your credit or else not. The information I provided to them by their request without disclosing further needed information, makes me believe they use some of my personal information to decline a simple general request on rates. XXXX said Quicken Loans does not provide ever any rates to anybody unless a credit report is pulled so they can provide specifically what a person qualifies for, I then proceeded to show him in his Website they do provide rates on there without asking anything or any information so that didn't match what he said about no rates to anybody. I also told him I just wanted to get general average rate information for an investment product for XXXX which specifics the loan product I was inquiring and he still denied to provide that information b/c Quicken Loans never does that. There is a lot violation under UDAAP and Fair Lending Act issues here Also, XXXX intended to stop the conversation by telling me he is not a loan officer and he is not authorized to disclose or provide loan information, he said this after all throughout the conversation he provided and disclosed loan information to me
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Missing Information on Credit Report Paid Auto Loan with XXXX XXXX XXXX Dear Credit Bureau Representatives, I am writing to formally dispute the missing information on my credit reports from your respective bureaus regarding my auto loan account with XXXX XXXX XXXX ( Account Number : XXXX ). 

As of XX/XX/year>, my loan with XXXX XXXX XXXX has been fully paid, and I have received an official letter from XXXX XXXX XXXX confirming that the account is paid in full. However, this loan is not reflected on any of my credit reports from XXXX, Equifax, or XXXX, which is a significant omission. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, I am requesting an investigation and correction of this omission. Accurate and complete reporting is required by law, and this account should be reflected on my credit report with a status of " Paid in Full. '' Enclosed, you will find a copy of the letter from XXXX XXXX XXXX confirming that this account has been fully satisfied. I request that you promptly update my credit report to include this account and its accurate status and notify me once the update has been made. Additionally, I ask that you share this corrected information with the other credit bureaus as mandated by the FCRA. 

Please send me confirmation once this dispute has been resolved, and an updated copy of my credit report showing the corrected information. 

Thank you for your prompt attention to this matter. Should you need further information or documentation, please feel free to contact me. 

Sincerely, XXXX XXXX
Product: Debt collection

Since XX/XX/2021 I have attempted to obtain resolution from The Bureaus INC., regarding an alleged owed debt that is a result of fraudulent activity. The organization continues to send me copy of bills as debt validation. As a victim of identity theft I am requesting the original contract with my wet signature. Such documents do not exist because I did NOT authorize this account or the purchases made.
Product: Debt collection

A month ago after checking my credit report I noticed a debt collector named XXXX XXXX listed on my credit report. I called them and they said it was an account from XXXX XXXX XXXX. I told them Ive never had XXXX XXXX XXXX. Yet they said I still owe this balance. I then asked my mom and sister if they opened anything up in my name because they did it before without my permission. My sister finally owned up and said she did, and that she would pay it off. So on XXXX she said she called XXXX XXXX and paid the money that was owed on case number XXXX said she asked them could they delete it off my credit. They said no and that they could only report it as paid in full with a {$0.00} balance. And that they have no way how to get it removed. I dont understand how they can report it to the bureau but they cant get it removed. Especially when the FCRA gives them that right to do so.
Product: Checking or savings account

On XX/XX/23 I received a credit for XXXX showed pending but I thought it to be a part of my balance. Pnc Bank charged me a overdraft fee of XXXX. The XXXX is still pending till XX/XX/23. this was a debit transaction. It seems like a way to charge fees. They will not refund me and are horrid about returning calls from a supervisor in a timely manner. My complaint is they are holding credits to incur a overdraft.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have been trying to get a hold of Specialized Loan Servicing from XX/XX/2020 up to the current date XX/XX/2020 after calling and being on the phone for more than 40 minutes on with an automatic service being transferred from one place to another without being able to speak with an actual person, leaving a call back number, emails. also having a third party to contact them on XX/XX/2020 throughout the entire day no response. I have exhausted all forms in order to get a hold of them with my concerns on my mortgage I have also filed a complaint with the XXXX  on XX/XX/2020 for this matter in hopes of some type of resolution but I have not yet gotten a callback. It has been a nightmare dealing with this mortgage company.
Product: Credit reporting or other personal consumer reports

Here is a detailed account of the circumstances that led to the missed payment and why I believe I am not at fault : 1. Account Access Issues : Both the authorized user and I were locked out of the online bank account, preventing us from making the necessary payment. 
2. Customer Support Limitations : When we reached out to customer support for assistance in unlocking the account, we were informed that they could not provide the account number, which was required for us to regain access. 
3. Payment Made Over the Phone : To resolve the issue, we decided to pay the full remaining balance over the phone end of XX/XX/year> for XXXX. During this process, we were assured that there were no additional charges outstanding. 
4. No Additional Purchases : After making the payment, no additional purchases were made on the account. 
5. Credit Score Impact : Despite our efforts, I noticed my credit score dropping from over XXXX to around XXXX after a month and a half. Upon investigation via credit karma ( again still no access to credit card account directly ), I discovered that a small balance of approximately {$25.00} remained on the account and had grown to around XXXX due to late fees, which led to the negative impact on my credit score. 
6. Resolution with Customer Support : I contacted the collections department and spoke with a team member who provided the account number, enabling me to finally be able to sign in, review the account, and pay off the remaining balance, including late fees. We noted that the previous support agent changed the payment alerts from the authorized users email to an email that we do not use to be notified for payments. After explaining the situation, the team member agreed that I was not at fault and credited the late fees back to my account.
Product: Credit reporting

I sold a house and closed on it XXXX XXXX. At the time of closing, all taxes with XXXX County Tax were paid in full. When I went to the Tax office when I saw it on my credit report, they agreed and just gave me a paper that showed it paid. Again, All taxes were paid in full when I closed on the house in XXXX and this lien was filed in XXXX. I did not own the home at that late date as it was transferred to the new owner XXXX XXXX, XXXX. Please have Transunion remove the lien from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto loan is with GM Financial. In XXXX, i applied to get a new car. I was told that my account with GM was showing past due. I had often waited until after the time due date to pay, but never past 30 days. So, i did have late fees on my account. I paid them that month and made my payment on the due date. In XXXX, i reapplied and they again told me it was past due. 

I looked at my credit report, and sure enough, my balance was showing {$4000.00} higher than what it actually was. They showed my XX/XX/XXXX payment as 30 days late, then hasnt reported anything since. 

I contacted them and they said thousands of people had been affected by some time of software glitch, where they had reported past due payments in XXXX. So, they shut the system down and hasnt reported anything since. In XX/XX/XXXX when i called, they said they had pulled the system back up and it should be updating correctly. 

I just looked again and 3 weeks later, still the same thing. I XXXX this problem and saw hundreds of consumers having the exact same issue. This is preventing people from getting new vehicles, getting homes, affecting interest rates. And GM doesnt seem in a hurry to address the issue. I read back to XX/XX/XXXX where theyd been told the same thing I was told in XXXX ... the system would be back to reporting correctly. And still nothing.
Product: Debt collection

XX/XX/XXXX My complaint concerns two issues with a mortgage service company : 1. ) In an attempt to collect a mortgage debt from me the mortgage servicing company directed a company that broke into my home and locked me out. This case was summary judged in their favor in Superior Court XXXX. I disagreed and appealed that decision. The verdict was reaffirmed by the Supreme Court in XXXX   last week on XX/XX/XXXX. I have attached a similar case from Washington State that verifies the opinion that I contend as decided by Supreme Court Justices in a similar lien theory state like RI. My only option aside from your office is to bring this to the US  Supreme Court. I respectfully seek your assistance with this. 

2. ) The mortgage company committed perjury in this case ; they provided an Affidavit to the Superior Court that mortgage payments were not being made at the time they locked me out and on another occasion they had entered my property. I have attached a detail of proof from RI Housing Mortgage which assisted me during those periods between XXXX and XXXX with XXXX XXXX XXXX XXXX payments which were disbursed on my behalf to the loan service company, accepted by them however not properly applied to my mortgage account. Please advise. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$640.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$990.00} XXXX XXXX XXXXXXXX Balance Owed : {$7800.00} XXXX XXXX XXXX Balance Owed : {$5300.00}
Product: Money transfer, virtual currency, or money service

I sent 2 payments XX/XX/19 ( {$180.00} ) and XX/XX/19 XXXX {$740.00} ) via Bank of America XXXX to a phone number but it was incorrect by one digit. I contacted Bank of America as I discovered the person I meant to send the money to never did and made a claim with Bank of America. 

They contacted the party who received the money incorrectly ( who is also a Bank of America client ) and they are refusing to refund the money that was incorrectly transferred to them. My bank says they cant credit his account or do anything for me.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX  concerning a persistent error they have been reporting on my credit report over the past XXXX months. Despite acknowledging this error in writing and apologizing, XXXX XXXX continues to re-report it, which is significantly impacting my credit score I first discovered the error on XX/XX/2023 when reviewing my credit report. 
I immediately contacted XXXX XXXX  via Email on XX/XX/2023 to report the error and requested its correction. XXXX XXXX responded and acknowledged the error, apologizing for the inconvenience caused. Despite their acknowledgment and promises to correct the error, XXXX XXXX has continued to re-report the same error on my credit report in subsequent months, most recently XX/XX/2023. The consistent re-reporting of this error has had a detrimental effect on my credit score, leading to a constant denial of Credit and very high interest rates I have attached copies of all relevant correspondence with XXXX XXXX, including their written acknowledgment of the error. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure XXXX XXXX ceases the re-reporting of this error and corrects my credit report in a timely manner. I also request that they be held accountable for any damage to my credit caused by this persistent error. 

Please let me know if you require any additional information or documentation to address this issue promptly. I appreciate your attention to this matter and look forward to a swift resolution. 

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

I have a lot of collections on my credit and a open auto loan that I need removed off my credit because they are inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

The account shows account in collections. The account was paid in full over 1 year ago in the amount of {$1700.00} acct # XXXX it says deferred to 2021