23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am not liable and refuse to pay this debt with XXXX XXXX XXXX XXXXXXXX XXXX, I have no contract with National Credit Adjusters in regards to account # XXXX. The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. Thanks in advance.
Product: Money transfer, virtual currency, or money service

Yes I have dates where I was scam by a person pretending to be a church where I was sending charity donations. The guy is not a church he scammed me out of XXXX plus dollars. I requested cash app to do an investigation and get my money back from XXXX XXXX going by XXXX XXXX. They said they cant do anything. I requested back my money for him and he declined it. It had total XXXX transactions at different amounts and time. I will attach screenshots of the amounts and dates.
Product: Debt collection

I am reviewing my Credit report dated XXXX/XXXX/2017 only to discover that a debt collection of {$15.00} appeared on my report. I did n't know about the debt, neither was I contacted by phone nor by writing or otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical debt under {$500.00} reporting to all three credit bureaus. Reporting medical debt that has already been paid to original creditor. 

XXXX XXXX : XXXX XXXX XXXX {$51.00} {$120.00} {$120.00} {$120.00} {$700.00} Radius Global {$150.00}
Product: Credit reporting or other personal consumer reports

The weight of this ordeal has grown increasingly burdensome as each day passes without resolution. My attempts to seek justice and protection against the heinous crime of identity theft have gone unanswered for an inexcusable length of time. It is deeply disheartening to think that despite my diligent efforts to provide the necessary documentation and follow your bureau 's guidelines, I remain in a state of distress, insecurity, and uncertainty. The toll this has taken on my financial stability and emotional well-being can not be overstated. I demand that you acknowledge and investigate my identity theft claims with the utmost urgency. It is not only my right as a consumer but also a fundamental necessity for restoring my peace of mind and financial stability. The following accounts have been reported on my credit profile : XXXX XXXX and XXXX XXXX XXXX XXXX Please delete these accounts ASAP.
Product: Credit card or prepaid card

I have legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX. In doing so, I have mailed them two times with my credit card, ssi, driver license and legal name change order from the state of Maryland. 

You guys have denied me twice. Youre being a real pain and I do not like you causing me a pain and need you to meet my request.
Product: Debt collection

I canceled my account after nearly 20 yrs of being a customer for over charges and sales people making false promises and not honoring the sales deals made. I was sent prepaid envelopes to send back 2 phones which I did. After some time now, more than a year, they are saying they did not receive them. I have no use for the phones as i went with a different carrier nor would i want to keep anything from them and feels like retaliation after closing this account and dealing with the rude and threatening representative to do so. I should have a balance for service of approx XXXX not XXXX and will pay when my balance is properly reflected
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : '' XXXX XXXX XXXX  '' Closed, reporting open.. 
Not only that they violated my consumer rights act ( 15 usc 1692e ) My whole life has been afflicted by this.
Product: Credit reporting or other personal consumer reports

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX - {$8200.00} - The account does not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$300.00} - The account does not belong to me. 
XXXX XXXX XXXX XXXX # XXXX - {$0.00} - the account does not belong to me. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX # XXXX - {$830.00} - The account does not belong to me. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$180.00} - The account does not belong to me. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not XXXX. XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX. - XX/XX/year> REMOVE INCORRECT PERSONAL INFORMATION & UPDATE PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : XXXX. Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Incorrect Name Variations- XXXX XXXX, please update my name to XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX Credit line inquiry on XX/XX/XXXX - called and company will submit fraud inquiry to be investigated XXXX XXXX Credit line inquiry on XX/XX/XXXX - called and company will close application XXXX XXXX XXXX Credit line/loan inquiry on XX/XX/XXXX - Successful- charged {$610.00} loan - company submitted fraud application to be investigated by company JP Morgan - Credit line inquiry on XX/XX/XXXX - called and company will submit fraud inquiry to be investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX collect my private information - without my consent - and then sell my personal information as a product. Recently Equifax was hacked, and basically all adult Americans with an SSN were exposed to this breach.
I demand that the government enforce more strict regulations on credit reporting bureaus, and make it easier ( free and simple ) for consumers to freeze their credit in one centralized location - not individually though each major bureau.
I also demand that the government make it easier for citizens to change their social security number. This was never intended to be a permanent identifying number, and due to data theft a SSN is now a liability.
Please help US citizens protect their privacy and credit by making it more difficult for theives to access and exploit personal financial data.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Transunion : XXXX XXXX XXXX, XXXX, PA XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. 
I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes. 
Truly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$38000.00} ; U S DEPT OF EDXXXX XXXX XXXX XXXX {$33000.00} XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Mortgage

Greetings, This concerns a foreclosure case. The Trust that currently hold the note is not responding to the short sale offer. I 'm not sure if their attorney has sent it to them. Although I have an email that confirms it. I have called the Florida Bar twice to try to reach out to the attorney to negotiate the sale. The first time he did respond but not much since. They are trying to change the locks on the house while it is still in my name. The utilities are also still in my name and they are trying to lock me out. I am currently my own council for the case. I hope you can help me reach out to them to reach a settlement. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts over the past few months to have XXXX and Equifax to accurately report my on time payments on my credit file to no avail and to date, I have been unsuccessful. XXXX 's last report date was XX/XX/XXXX. Is there a reason why XX/XX/XXXX and XX/XX/XXXX reporting was n't made on this date ( XX/XX/XXXX ), when in fact XXXX is responsible for reporting on the XX/XX/XXXX of each month? Per my reporting via Equifax pulled on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payment status reflects " NR '' while XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were left blank without a reporting status.
XX/XX/XXXX - XX/XX/XXXX should all reflect as " paid on time '' not XXXX for XXXX XXXX or left blank. This is an on going issue that has not been directly addressed. My concerns are " specifically '' geared towards the above mentioned months NOT anything beyond that. Again, I am requesting that XXXX correct and update the reporting of my on time payments for the months of XX/XX/XXXX- XX/XX/XXXX. See the attached supporting documentation. Please do not respond with a letter that does not specifically address my concerns.
Product: Debt collection

XXXX has an erroneous debt they claim I owe, that has been sent to multiple collection agencies including XXXX, Credence Resource Management and other agencies. I 've gone through the dispute process with each one and had them confirm that the debt is n't owed and cancel the collection account. XXXX continues to forward this erroneous debt to different collection agencies, I 'm tired of having my time wasted and the stress of dealing with this year after year, this is ridiculous. The most recent collection agency with collector who have my personal information are outside of the United States where who knows what harm they can do to my identity, the most recent agency is Credence Resource Management, who put me through multiple hours of headaches and hassles to get a dispute done with them to get the damage they 've done to my credit removed, it has n't been resolved yet.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have eight student loans that were serviced by MOHELA and were processed for loan forgiveness in XX/XX/year>. The loans were all forgiven, effective XX/XX/year> pursuant to the XXXX XXXX. On my MOHELA account as well as my studentaid.gov account, all of my loans reflect a balance of {$0.00}. However, on my credit report all of the loans are still listed as open accounts showing a combined balance over {$160000.00}. The details for each loan indicate that MOHELA has not sent updated information regarding the loans to credit agencies since XX/XX/year>. I tried to contact MOHELA about this without success, and I disputed the information directly with the credit agencies but received a response that no changes would be made and that the disputed information was " verified as accurate. '' It's been almost three months since the loans were forgiven, and I am simply trying to get that updated on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an inquiry on my current credit report that I did not authorize and have no knowledge of submitting. 

Creditor Name : XXXX Type of Business : Not Listed Date of inquiry : XX/XX/2022 Credit Bureau : Equifax Address : Not Listed
Product: Vehicle loan or lease

Using Toyota Financing 's automated phone system, I made my monthly payment. I received a confirmation number. 
30 days later, I get call from 'toyota collection ' - you are late. There is now a late fee. Pay. 
I explain I made payment on their system and I provide my confirmation #. 
I ask, how can i have a late fee? 
I ask, why no one told me payment did not go through ( I have learned that basically the confirmation # I get/got from Toyota is  useless ). 
Finally -- - the system there is no way i can be notified if a payment fails ... ... only If i pay using their online system ... .then I would get such a notification but If i use their phone system ... ..no notice. and you get a late fee.
Product: Debt collection

Rev Now XXXX initiated contact with me attempting to collect a debt from phone number XXXX on XX/XX/XXXX. During the interaction I informed them that I was willing to settle the debt with them but to please call me back on XX/XX/XXXX when I get paid in order to discuss the terms of the agreement. The representative agreed and notated my account stating that I would not like to be contacted until XX/XX/XXXX. On XX/XX/XXXX, they contacted me again, to which I once again informed the rep that I would not like to be contacted until XX/XX/XXXX and that I would be happy to discuss settling the debt. From XX/XX/XXXX to XX/XX/XXXX they contacted me at least 4 more times and they began calling me 3 times a day. On XX/XX/XXXX, I escalated to a supervisor who was combative and rude who stated that they were unable to remove my number from their auto dialer system. After I informed her once again that I would be willing to settle the debt when I got paid on XX/XX/XXXX, she insisted on trying to get a payment from me so that they could post date it. When I refused to authorize any payment until XX/XX/XXXX she became rude and combative again and I requested to speak with her Manager. She claimed that the manager was busy and would not take the call and insisted once again that she collect a post dated payment from me. When I asked once again to not be contacted until the XXXXXXXX XXXX XXXXXXXX she became combative again and stated that they would not be able to pause collection calls until the XXXXXXXX XXXX XXXXXXXX and that she was going to report my account back to the client as an unable to settle. When I informed her that this was a false report, she became combative again which led me to refuse any further contact without first reporting this to the CFPB and obtaining a lawyer.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I contacted XXXXXXXX XXXX  ( Card holder for the XXXX XXXX ) before XX/XX/year>, regarding a fraudulent account created by an unauthorized person in my name. Despite my request, they delayed closing this account until XX/XX/year>. I demand the immediate deletion of this account from my credit report as I have no knowledge of it. 
XXXX XXXXXXXX XXXX XXXXXXXX I contacted the XXXX XXXX and they confirmed this card was used without my consent. There's no record of my name, email, address or phone number being associated with these purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I requested XXXX remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner. 

On XX/XX/2021 I requested Experian remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner. 

On XX/XX/2021 I requested XXXX remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA refuses to honor the provision of the CARES Act that allows them to remove negative marks. They tell me that does not exist.
Product: Credit reporting or other personal consumer reports

i just seen unauthorized inquirys on my equifax credit report and under FCRA ( fair credit reporting act ) these unauthorized inquirys should be deleted immediatly removed. 

the unauthorized inquirys to be removed immediatly are : XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year>
Product: Checking or savings account

Recently I have had multiple issues affecting both online ( web ) banking and mobile banking with Navy Federal Credit Union. 

Starting on XX/XX/2024, I noticed that I was unable to change my debit card pin on their mobile application. I contacted the credit union by phone to report this issue, and the customer service representative I spoke with told me that they were having mobile application issues due to XXXX XXXX and that the issues should be fixed soon. While she changed my PIN over the phone at my request, it was quite inconvenient to have to call to do this. 

On XX/XX/2024 I attempted to deposit a check on Navy Federal 's mobile application, but received a vague message stating, " We are experiencing a technical issue, please try again later. '' I contacted the credit union by phone the next day on XX/XX/2024. At the customer service representative 's request, I cleared the cache on their mobile application before attempting to log in again. Since clearing the cache, I have been unable to log into their mobile application at all. It keeps failing on the two step authentication step ( i.e. their system does not recognize the code I enter as correct even though it is ). 

The customer service representative I spoke with on XX/XX/XXXX advised me that she was putting in a " digital ticket '' and that I would have to wait for an indefinite amount of time to get this resolved. She advised that I should use Navy Federal Credit Union 's web banking service in the interim period, as opposed to their mobile application. 

On XX/XX/XXXX, on web banking, I attempted to use the credit union 's " bill pay '' service and also attempted to transfer funds between my checking/savings account. Both of these transactions failed due to unclear reasons, with a pop up message in Navy Federal 's web banking service reading " we experienced a technical issue, please try again later. '' To summarize I am unable to use mobile banking entirely and key features on web banking ( i.e. bill pay, transferring funds between accounts at the same credit union ). These issues have persisted for weeks and I am really getting desperate to have full access to my accounts/funds again.
Product: Debt collection

This collection has already been removed from my XXXX credit report and should have been removed from XXXX and XXXX as well. I am attaching proof the the collection has already been removed.
Product: Credit reporting or other personal consumer reports

Attempting to access my credit report security freeze with Experian invariably results in being intercepted with an offer for their Experian XXXX XXXX service immediately after login. There is no method by which to decline the offer and continue on to managing my credit freeze without being extorted into signing up for their XXXX service. This occurs even when signing in with an existing account.