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

I am currently within a XXXX  XXXX plan. My loan with Ally Financial is not included in the plan and I pay them each month for my vehicle. I have never missed nor been late with a payment since XX/XX/2018 when the loan originated. Ally Financial has not been reporting my monthly payments to any of the three credit reporting bureaus XXXX XXXX XXXX, XXXX and XXXX ) though I have sent them, on numerous occasions, the plan showing this loan is not included as well as statements that the loan is current. Each and every monthly loan payment is required to be reported as paid on time and Ally is NOT reporting these payments.
Product: Credit reporting

I previously disputed several inquiries with TransUnion and never heard back on the following results, it has been several months already : - XXXX XX/XX/XXXX : Not my inquiry, resulted from identity theft - XXXX XX/XX/XXXX : Not my inquiry : company states a company applied for a merchant account. I am not a company nor have I ever owned a company. 

- XXXX XX/XX/XXXX : Not my inquiry, resulted from identity theft - XXXX XX/XX/XXXX : Not my inquiry, XXXX sent me a letter stating they were n't able to find why they ran my credit and they are requesting I provide them with my social, I will not provide my social as this initial inquiry was a result of identity theft. 

- XXXX XX/XX/XXXX : Not my inquiry, XXXX sent me a letter stating they were n't able to find why they ran my credit and they are requesting I provide them with my social, I will not provide my social as this initial inquiry was a result of identity theft. 

- XXXX XX/XX/XXXX - Not my inquiry, result of identity theft - XXXX XX/XX/XXXX - Not my inquiry, result of identity theft - XXXX XX/XX/XXXX - Not my inquiry, result of identity theft - XXXX XX/XX/XXXX - Not my inquiry, result of identity theft - XXXX XX/XX/XXXX - Not my inquiry, result of identity theft
Product: Mortgage

We purchased our home in XX/XX/XXXX with our first mortgage payment due on XXXX/XXXX/XXXX. In XXXX XXXX, LoanCare, LLC purchased our loan. When we closed in XX/XX/XXXX, both our property taxes and hazardous insurance were paid for the entire year. Our estimated monthly payment was supposed to be {$2500.00}. We paid this amount XX/XX/XXXX thru XX/XX/XXXX. In XX/XX/XXXX, we receive a letter indicating the MI was inadvertently missed on the monthly payment. Monthly payment in XX/XX/XXXX went to {$2800.00}. We received another letter indicating that because there was a shortage, additional payments were needed to catch up. Upon review, we noticed that the MI had been included but the property taxes had been missed. Then we noticed that the property tax amount charged was incorrect. On XXXX XXXX, XXXX, we submitted an online inquiry to Loancare, XXXX, detailed all payments made to date, included a correct calculation of our monthly bill [ ( {$2000.00} principal and interest ) + ( {$270.00} MI ) + ( {$410.00} property tax ) + ( {$41.00} haz insurance ) = {$2800.00} ] and attached our current property tax bill to confirm the information. We asked that the property taxes be adjusted to actual, a new monthly payment be calculated and our escrow reserve be adjusted accordingly ( Ticket # XXXX ). I was told the inquiry would take 5 business days to complete. XX/XX/XXXX payment was now {$2900.00} which we paid. I have made numerous calls to get a status trying to get this issue resolved. At first I was told that there was no new information ( XXXX/XXXX/XXXX ) - I asked to speak to a supervisor and was denied ; then that the property tax division had researched the information and had adjusted the property taxes and had sent the file to the escrow department to compute a new monthly payment ( XXXX/XXXX/XXXX ) - excited that things were moving, I was told to call back at the end of the month. Then I was told that the property tax department was not done with their research ( XXXX/XXXX/XXXX ). Then I was told that they were done and when I asked what my new property tax amount was it had not changed from the original incorrect amount. I indicated that this information was incorrect, that my property tax bill had been attached to corroborate this information. I was then told that they would send it back to the property tax division to review which would then forward the case to the escrow department to re-calculate a new monthly payment - back to where we started with my original inquiry on XXXX XXXX, XXXX ( XXXX ) - this was the only time a supervisor addressed me. At this point, its XXXX XXXX and another inflated monthly payment is due! XX/XX/XXXX monthly payment is {$2900.00}. We will continue to pay our principal, interest and MI but will not re-start property taxes and haz insurance until this issue is fully resolved. I would like to submit a complaint against LoanCare, LLC. for their blatant negligence in financial accounting, inefficient and inadequate ability to resolve issues within the time frame they have established.
Product: Debt collection

Receiving calls from ACI LLC, XXXX. Recorded msg refers to debt collection. Neither I or my wife have any outstanding debts and have 820+ credit ratings. Today ( XX/XX/2020 ) received 2 recorded calls from ACI so I called them after the second call today and they asked for my name, which I refused to provide ( They could see the number I am calling from and it is the same number as they are calling me on. ) Respondent said he would have to refer me to a supervisor. I hung up after being on hold for 5 minutes.
Product: Credit reporting or other personal consumer reports

I went to try to purchase a home and was denied because it showed that I had an open collections with National Credit SystemsXXXX XXXX XXXX XXXX XXXX XXXX ) a property in the amount of {$9900.00} that was on my credit report in collections and an eviction. I have never stayed at this property nor have I signed a lease for the property. As I stated, i'm not sure who used my information, but it was fraudulently used to obtain this property, at the time I did not have a job so there was no way that I could have even afford this property if I wanted to. I've also received bills from XXXX XXXX  ( {$3800.00} ) as well as water companies/credit card companies and I've never had a home/apartment let alone a credit card. I stayed with family because I wanted to save up to buy a home. I've been at the same address for years, and I noticed other addresses on my report all properties that I never resided at. According to 15 U.S.C 1681 it is a defamation of character because I cant get anything let alone buy a home because of it and you guys continue to report false and inaccurate information on my credit report. I've reached out to credit bureaus such as ( XXXX, XXXX, XXXX ) and I've also submitted my supporting documents in which I had to file identity theft because my information has been used by someone in whom I do not know to have this removed and not one credit bureau have yet to do a investigation, I only received the automated " This information is proven accurate ''. I have disputed it as well with third parties like XXXX XXXX, so if they have this information disputed how is it it being verified? I am disputing this account and requesting validation of debt. ( 15 USC 1692g Sec.809 ( b ) ). I am NOT requesting verification but I am requesting validation. I request that you provide me with evidence of the debt, including the results of your investigation. I have been battling with this for 3 years now and it is very troubling, I can not even get a place of my own because of it and this information is fraud and a defamation of character!!! After reviewing my credit report I must inform you that I am NOT responsible for the above listed accounts as I have been a victim of identity theft. I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report which I have included for review. Please delete these accounts from my credit report immediately!
Product: Debt collection

This has been a constant long overdrawn situation! I have had this company add medical bills on my credit report then take them off and add them again. I also received an alert from my fico indicating that a new collection has been added to XXXX without any knowledge or verification or validation. I have sent the credit bureaus multiple letters to please SHOW ME ACTUAL PROOF that I signed or used an insurance card or was seen in such known facility. The letter from ARS does not indicate such thing.. these same collections has been removed in XX/XX/XXXX and added back. I want proof or delete them.. I have asked numerous of times. I have also uploaded the correspondence received from ars the service dates are not matching what was placed on my credit! Please send me validation of records.. from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX
Product: Credit card or prepaid card

I applied for an American Express XXXX card on XX/XX/2022 and was denied credit based on my XXXX score. I responded back to American Express 's denial letter with an adverse action letter explaining to American Express according to the Equal Credit Opportunity Act adverse action is against the law and can be found in 15 USC 1691c and is pursuant to civil liability under USC 1692k.
Product: Checking or savings account

Paypal said they will be taking my Federally Protected XXXX and XXXX money for 6 months or more, leaving my family homeless and penniless. 

This is not even legal with a court order. 

I have had an account with Paypal ( XXXX XXXX XXXX ) for 5 years now, with zero problems. No returns, no refunds, no disputes. Then they permanently restricted my account, banning all features, except receiving money, which I can not access it, return it, or send it as a check to myself. 

They accused me of being a criminal, and victimising all of my customers. I have no customers. I am the customer. I have a buyer account. I have never sold anything.
Product: Money transfer, virtual currency, or money service

I am unable to send funds, use my digital card or cash out my balance. When asked to provide an explanation the company could not tell me why. This issue has persisted for over a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX , Equifax and  XXXX  have just added  XXXX  " 90 day late '' marks on my credit report for my closed and paid off   XXXX   credit card. I paid this account off a couple of months ago so I do n't understand why there are new late marks when there is n't even a balance on the account. The account number on my credit report is "  XXXX  ''. How is this possible? How can I be late on an account that has been reporting as paid for months? I am including a screenshot of a   XXXX   XXXX     report and another screenshot of a   XXXX   XXXX   report for comparison. I have highlighted the information that is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I had another fraudulent account report to my credit report. Names, addresses and accounts that do not belong to me still remain. Experian acts as if they cant effectively investigate and properly remove items from my credit report. I sent them a demand letter which obviously wasnt taken seriously a few weeks ago. There acts including XXXX XXXX XXXX XXXX have been intentional and with malice. I have filed a police report which will be handed over to federal authorities for investigation. I have now demanded payment from Experian for the multiple violations of the FRCA. The last specialist I spoke with from Experian on Friday XX/XX/2023 she implicated XXXX XXXX XXXX XXXX in things that concerned me. So the social security administration has now launched an investigation as well as federal authorities in matters into my personal information being used in a way it should not. A police report was filed so a in depth look at how my personal information was used and the correspondence between XXXX XXXX XXXX XXXX and Experian can be subpoenaed.
Product: Credit reporting or other personal consumer reports

Complaint Against TransUnion : Refusal to Remove Inaccurate Data I've submitted several requests for the removal of inaccurate information from my credit report. Despite being notified that the account was closed due to a creditor error, which resulted in the cancellation of the debt, TransUnion has refused to delete the erroneous entry. I request immediate action to correct this issue.
Product: Credit reporting

I called + sent Equifax a copy of my account paid in full for the dispute. The company I owed ( XXXX ) has set the info to Equifax that my account is paid in full. XXXX reported the wrong amount due and we agreed on a new lower amount which I paid in full. Equifax is still showing the account as a charge off. That 's incorrect. I 've called them 2 times with no help.
Product: Bank account or service

I was tied ti my daughter student account with additional checking and savings. My daughter was only allowed to use the ATM with her student account. In doing so she deposited a check through the ATM which was a fraudulent check she withdrew {$200.00} at that time. I was in another state when she was doing this at college. Since it was a fraudulent check all of our accounts XXXX of them were closed and filed with companies so as to never open up an account again with any other bank. I have since lost XXXX jobs because of this filing and I 'm not able to open up my company again because I can not open up banking account. I need help with this resolving as I have tried to fight with first response and security companies to allow me to make a living I am now destitute. I can not find myself to make a living to feed my family. I 'm a single parent and had a woman own business. please help me to put my life back together.
Product: Bank account or service

I opened a TD Premier checking account on XXXX XXXX, 2016, using a special web page offer for a bonus of {$300.00}. I have complied with all of the terms of the offer : I am a new personal checking customer, and I have had a cumulative direct deposit of {$2500.00} or more within 60 days of the account opening. The bonus should have posted within 95 days of account opening, which is today, XXXX XXXX, 2016. It has not posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage with XXXX XXXX  XXXX was transferred to XXXX  XXXX  XXXX, and XXXX had the service on my mortgage since XXXX. I had many hard times with the payments on this mortgage, and I remember being up to 90-says late in XXXX and XXXX. Therefore, my late payments within the legal 84 month timeline qualifies me for the removal of this account. XXXX has even posted the account twice under two separate account numbers. The template to the FCRA is as follows : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by m

ore than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.

The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

Accordingly, XXXX must give the credit bureaus the proper account payment history, and apply the rules of the subscriber agreement they agreed to with all pertinent credit reporting agencies. This account must be deleted immediately. It has been re-aged and must be deleted permanently. Thank you for your cooperating in this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Re : Dispute of Credit Report Inaccuracy / Non-Compliance with Section 1681 of the Fair Credit Reporting Act Dear XXXX XXXX, I am writing to formally dispute an item on my credit report and to notify you of your potential non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681, regarding your responsibilities to ensure the accuracy of information in consumer credit reports. 
I have identified the following inaccuracies on my credit report : -Incorrect account status ; Account number # XXXX opened XX/XX/XXXX Under 15 U.S.C . 1681e ( b ) of the FCRA, you are required to ensure that all information in my credit report is accurate, up-to-date, and complete. It is my belief that the incorrect account status constitutes a violation of the aforementioned statute, as this information is either inaccurate, incomplete, or has not been corrected despite my prior attempts to resolve the matter. 
I request that you promptly investigate and correct the error in accordance with the provisions of the FCRA. If you fail to do so or do not resolve this matter in a timely and appropriate manner, you may be liable for civil penalties under Section 1681o, which outlines the civil liability for negligent non-compliance with the FCRA. 
Additionally, I request that you provide me with the results of your investigation and a copy of the corrected credit report reflecting the changes. Should you fail to comply with the investigation requirements within the time frame specified by the FCRA, I will not hesitate to seek legal recourse. 
Please consider this letter as a formal request for resolution under the FCRA. I expect your response within 30 days from the date of receipt of this letter. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, my paypal account was sent {$4500.00} & {$5000.00} thru friends and family. This what sent from a friend. I went to transfer some of it since I needed this money especially after everything 's happening do to the Coronavirus. However, I couldnt bsend it thru a card, a bank, or even a wire transfer nor friends and family, even had my brother send me a payment thing to my account for exact amount in my account since his goes straight to his bank. Still nothing. PayPal limited my account just a few hours later. I couldnt do anything or show any proof as to this is my account and it was legitimate. 

XX/XX/XXXX I believe my friend was supposed to refund his money back since I couldnt find the screen too. However this ended up being worse since he did a unauthorized transaction, he believed it to be more a default setting nothing he did technically is what he explained to me. On the XXXX paypal rules in my favor even though thay wasnt the point. 

On 2 of XX/XX/2020, after sending all my info describing all my issues and doing everything ask of me by the 15 different agents I spoke to paypal closes my account for suspicious activity. For reasons not really understood even though I had read the policy and have sense.

I tried numerous times trying to speak to someone however I rrcieved a bit or the same message saying sorry for any inconvenience and how the closing of the account was final and couldnt be disputed. They don't say to you it cant be disputed in there policy on closing of the account.

Now they are saying I have to wait for 180 days to withdraw my funds. This is ridiculous in nature especially in a pandemic as we are in.

This was all do to PayPal restricting a paypal cash account without any reason too and also so to husband setting up the account for me not understanding the difference between this kind of account and a buisness account. When trying to fix the errors in the account and limitations is ultimately what causes the account suspension. Had paypal advised the issue would have raised I could have kept from it.
Product: Checking or savings account

On XX/XX/year> my debit card was compromised and it was used multiple times to rack up an absurd amount of money totaling in XXXX through numerous ways like digital wallet and debit card I didnt notice my debit card was messing or how this transactions where not flagged and made aware to me in this large amount I submitted a dispute claim today in hope to get my money back this is very dramatic and a big financial stress to me rite now I currently bank with Wells Fargo
Product: Mortgage

I refinanced my home with USAA and did not receive copies of any of the loan documents that I signed. Additionally, I received {$310.00} less than the amount identified on my final Closing Disclosure form.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX REFUSE TO UPDATE THE PAID ACCOUNT AS PAID EVEN WITH PROOF We have opened your Account Dispute The dispute for the account with XXXX/XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view. 

Alert Details Alert Date XX/XX/XXXX Source XXXX  Date Submitted XX/XX/XXXX Estimated Resolution Date XX/XX/XXXX Report Number XXXX Account Number XXXX Company XXXX/XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Sales Contract Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX Monthly Payment - Past Due Amount {$0.00} Highest Balance - Terms 6 Months Responsibility Individual Your Statement - Comments Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 XXXX 60 XX/XX/XXXX90 XXXX FP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FP XXXX On Time 120 120+ Days Late 30 30 Days Late FP Failed to Pay 60 60 Days Late N Negative 90 90 Days Late Data Unavailable