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

There are inquires on my credit report that I did not authorize. I verbally gave my credit score to the dealership representative, explicitly stating that I did not want their company to do any credit check but inform me, based on my score given VERBALLY, if there is any chance that I may qualify due to the fact I was only weighing out my available options towards purchasing a vehicle if so decided. Also, there was no signature involved granting permission to access my credit report to any car loan lender. I wrote a letter to each credit bureau indicating this issue and nothing has been done as yet. Below are the attached documents sent to each individual bureaus indicating the specific hard inquires on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an old account on my report, via XXXX XXXX, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand XXXX XXXX provide evidence that I have not settled this account or it is I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both XXXX XXXX and Equifax. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe XXXX XXXX a dime, and they know it, and Equifax should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report.
Product: Money transfer, virtual currency, or money service

XXXX. I applied for a XXXX XXXX XXXX XXXX  through the website XXXX XXXX for a position of XXXX XXXX for a company call XXXX XXXX. ( Oficial Website XXXX XXXX XXXX XXXX XXXX But the website he had on his profile was : XXXX XXXX XXXX XXXX They send me a text message that my resume was review and I was a possible candidate. Then instructed me to download the application " XXXX  '' by XXXX the have conversations through there. ( Note : I have all the conversations on my phone ). 

XXXX. We hace conversations for 2-3 about the position, asked my several qualifying question about the position and mentioned multiple times that when and if I was approved for the position I would have a XXXX  meeting with " my supervisor ''. 

XXXX. After 2-3 days the person said I qualified for the position and sent me a document, like a job offer, through my email to accept the job. I signed the job offer and sent it back. ( Note : no personal information like social security was on the job offer. Just my name and signature. I still have the job offer document. ) XXXX. After that the mentioned they would pay for my equipment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They sent me a check through my email to be deposited on my bank account for the purchase of the equipment for a total of {$2100.00}. 
( Note : I still have a copy of the check. Also the email address the check was sent to me is : XXXX. 

XXXX. The person told me to send {$2000.00} to a third party vendor for the purchase of the equipment named " XXXX XXXX '' which I have all the information of the account which is own by XXXX XXXX. 

XXXX. After this the person told me to do another deposit which seemed odd to me and I told them that I won't until I speak to my supervisor or someone through XXXX. The person XXXX  and never responded. Next morning I went through my bank my was too late, my account was overdraft and there's nothing they can do about it.
Product: Debt collection

Signed up for residential security with XXXX for an agreement of service for 60 months begin on XXXX to XXXX. To my knowledge all commitment was meet with the last payment on XX/XX/XXXX. I suspended the services as they rolled over a month to month service at double costs and wanted me to resign for another 36 month term. That was the end of the the original agreement. Since XXXX sold the account to Zion debt holdings reporting an inaccurate account balance. The only record Zion was able to provide was an altered hand written copy of the original contract showing multiple changes as to costs/month and the total number of months. When asked to produce a detailed statement of account they ignored the request and proceeded to submit the report to credit agencies. To my knowledge the altered document miss represents our agreement as non of those alterations were agreed upon. Such document does not show a breach of contract and is false and not valid.
Product: Credit reporting or other personal consumer reports

I sent Experian a validation letter XX/XX/2023. Certified mail. I have not heard anything from them I disputed the XXXX accounts. 
I called Experian & XXXX to let them know that these account accounts were open without my permission. Its an identity theft investigation going on. 
I recently checked my credit report XX/XX/XXXX. Experian reported that the information was certified and accurate. I just got off the phone with XXXX and they said the investigation would not be complete into XX/XX/XXXX but Experian already reported that it was complete and that the account would stay on my credit report so Experian is lying. They never show proof, and they lied, and said that the information was certified when according to XXXX the investigation is not even complete. I also have the conversation recorded between me and XXXX to show proof that Experian lied about right about investigating and validation. 

XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had charged-off accounts. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts that resulted in charged-off : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

In XXXX through XXXX, we had significant medical and credit card debt incurred, as well as income lost for 33 months between XX/XX/XXXX and XX/XX/XXXX. 
In XXXX, two separate judgments were entered against me for credit card debts. 
In the last quarter of XXXX, I proactively reached out to settle the debts using financial help from a family member. 
We were attempting to settle both debts at the same time in order to clear our credit completely. We had significant difficulty with one of the companies, but we received an offer from another. 
The company we received an offer from was XXXX XXXX XXXX, represented by XXXX XXXX in XXXX WI However, the other debt collector rejected their original offer and refused to renegotiate due to a misunderstanding on their end, just XXXX hours before funding was to be sent out. This unfortunately resulted in me not being able to settle any of the debts as we were unable to clear our credit. 

Initial Dates for XXXX XXXX XXXX : In XXXX of XXXX, we received a reasonable offer of {$10000.00} In XXXX of XXXX, my son and I were in an accident, which resulted in 4 additional medial bills and judgments as we waited for our lawyers to resolve the issue. 

After were were able to settle in after the economic shut down of XXXX, I once again reached out to XXXX XXXX to make another attempt to resettle our debt. 
XXXX is now managed by XXXX XXXX XXXX, not XXXX. 

Today, XX/XX/XXXX, I received an unreasonable and excessive counter offer of approximately {$16000.00} to settle the debt. 

This is an INCREASE of {$5800.00} in just over 1 year. 
My total debt has not increased HALF that amount since XXXX. 
This equates to a percentage increase FAR EXCEEDING all 5 other judgments that I have been able to resolve. 

I fully understand interest has accrued over the past year, however, a 3.99 % increase ( which is where EVERY OTHER debt collection agency is at XXXX, would result in a significantly less increase than what has been countered with. 

This is excessive, unreasonable, and far outside the amount I have available from a family member who is assisting in this settlement. 

I am prepared to settle for {$12000.00} XXXX {$1300.00} OVER the initial offer in XXXX ) and the funds will be sent within XXXX to XXXX hours of acceptance. 
I am NOT in a position of paying nearly {$6000.00} MORE than the previous offer a year ago. 

There is absolutely no standard of interest or reason for such a counter and absolutely no precedent for what can be expected. 
I am already borrowing this money. I have no retirement, no savings, and no money set aside for education for our kids. And this is not helping me and my family be able to move on from unexpected and unavoidable medical debt over 10 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

these unathorize inquiries was open without my permission XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XX/XX/23
Product: Mortgage

XX/XX/XXXX my wife set up a bi-weekly loan payment plan with what she thought was a department of our lender and with no extra fee 's. XX/XX/XXXX we noticed the payments stopped. I contacted my lender and was advised we had a third party that was paying and to contact them. I found it was a company called " XXXX XXXX XXXX '' and after several attempts, I was finally able to reach someone in that company ( XXXX ) on XXXX/XXXX/XXXX. My wife was unaware that there was a fee in the contract that she signed. The company has since had their bank backing dropped and can no longer provide service to us. I was promised a follow-up in 1-2 business days and patiently waited 5 business days before calling back. I called back and got XXXX who got me in contact with a supervisor named XXXX. She refused to do anything, but advise she will not refund or help in any way. Number XXXX on the contract we signed stated that their half of the agreement is to pay the payments in full until the loan is paid in full. XXXX also advised on the phone they guarantee all payments will be paid in full and on time and this guarantee is not upheld. This agreement and service was not made and essentially we paid over {$360.00} for a service that was in no way upheld. I was advised that your Bureau is leading a lawsuit towards them and am reaching out for assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint to tell you that I need these items in my file removed pronto : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX Balance : {$300.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX  Balance : {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX  Balance : {$2300.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$7700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7700.00} The listed items are erroneously placed in my file I need them gone right away
Product: Credit reporting or other personal consumer reports

I am writing to express my growing frustration and concern regarding the unresolved issue of fraudulent items on my credit report. Despite numerous efforts, I have been unable to remove these inaccuracies, which are severely affecting my financial standing. 

I have made repeated attempts to contact your organization and dispute the presence of fraudulent items on my credit report. These items do not accurately reflect my financial history and have caused substantial harm to my credit score, making it difficult for me to obtain loans, secure favorable interest rates, and achieve my financial goals. 

I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau regarding the fraudulent items. 
Evidence substantiating the fraudulent nature of these items, such as police reports, affidavits, or any other relevant documentation. 
Documentation highlighting my responsible financial behavior and positive credit history. 
Despite my continued efforts, the fraudulent items remain on my credit report, causing ongoing distress and financial difficulties. I am deeply concerned that these inaccuracies may hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial security. 

I formally request an immediate and thorough investigation into this matter. I implore you to take prompt action to remove the fraudulent items from my credit report and ensure that my credit history accurately reflects my financial responsibility. 

Furthermore, please provide written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which mandate a response within 30 days of a dispute. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to explore the legal remedies available to me under the FCRA and other applicable laws. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/202XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX, XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$8100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with ONEMAIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and ONEMAIN with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days lateXX/XX/XXXX and XX/XX/.
Product: Debt collection

XX/XX/2019 we received a letter about a debt for XXXX XXXX XXXX homeowners fees for XXXX ( collection agency McCabe Trotter, and Beverly ) and a lien on our property. The original bill is due in XX/XX/2019. We have always paid our Homeowners fees with no problem. We contacted our homeowners association to ask if they sent it to collections and they stated they did. In their letter they stated that they give people up to one year of the next year to pay these fees. They did not give us that option, they also stated this in our meeting. Some people has been out here for 2 or more years and are behind on their payments the homeowners association stated in our meeting. They did not give us this option. And they did not write us telling us they were going to sent it collections. We just received collections papers by mail. My husband is a XXXX veteran and we are in chapter XXXX bankruptcy. We are being harassed about taxes and liens about this property and we believe they are trying to foreclose and sell the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with XXXX XXXX XXXX XXXX, my payment is due on the XXXX of each month. The branch office is located in XXXX, MD, so I have to make my payment at a shared branch location because I live in another state. On XX/XX/XXXX, I went to a shared branch, the associate at the shared branch advised me to pay {$360.00}. Later that evening I called XXXX to confirm receipt of the payment, the representative told me that payment was short by {$.00}. I explained to her that the associate at the shared branch advises me to pay {$360.00} and questioned why she failed to mention the {$.00}. She had no idea. The rep told me that the best thing for me to do would be to go to an ATM and deposit some money into the savings account that I have and they would transfer the. {$86.00} to my auto loan. I drove to 4 different ATMs that night and for some reason I couldn't make a deposit. I only had the option to withdraw or transfer funds. I called back to let the representative know what I was experiencing but they were now closed. I called back the next morning when they opened and the representative that answered told me that my account was now in collections because I owed {$.00} for the XX/XX/XXXX payment and now because it was XX/XX/XXXX my account will reflect 30 days late on my credit report. I couldn't believe it, for less than {$1.00}. I explained to her that I was given wrong information at the shared branch and I wouldn't have shorted my payment by {$.00}. I also explained that another representative told me to deposit money at an ATM. She advised me that the representative gave me wrong information again. That I can not deposit money through the ATM, I can only deposit money at a XXXX branch in XXXX. The representatives provided me with incorrect information and did not give me a proper solution resulting in a 30 day delinquency on my credit report. I would like XXXX to remove the 30 day delinquency status from the credit report and provide their agents with feedback and education.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a direct violation of so many U.S. codes and ethics. I was in covid forbearance with XXXX XXXX XXXX bank and was told there would be no negative reporting to my credit report. Well on XXXX XXXX they reported negative marks on my credit report which has in turned caused me and my credit a lot of damage. Right in the middle of a work out they violate my consumer rights this way. We have already decided to obtain counsel and file suit against XXXX XXXX  XXXX because this has caused damage to my credit in such a negative way. This direct violation of 15 USC 1681a ( k ) ( 1 ).
Product: Debt collection

OnXX/XX/XXXX I was contacted by my neighbor and told that Pioneer Credit Recovery inc. had called their home repeatedly asking for a particular person that had lived at my address, they had also contacted 2 other neighbors in the past few months. Although the neighbors stated they did n't know the person they kept calling. I was given the information so I called to tell them to stop harrassing my neighbors. I Spoke with XXXX who was very curt and a little rude ; she was implying that I was said individual, asking for personal information and was interrogating me like I was lying or a criminal. I told her they were in violation of the FDCPA act and she said they were n't and could call whomever they liked to get answers to their questions. I let her know I would be reporting them to various organizations and she said I could call whoever I wished and it did n't matter. I told her to stop harassing my neighbors and she stated she would remove said address and numbers. Later that day I spoke with Manager XXXX who used the same strong armed, interrogation tactics as XXXX basically said they could call whomever they like, that they were n't violating anyone 's privacy or the FDCPA and neither of them told me I could file a cease and desist complaint with them directly, I was informed of this by another agent named XXXX who I spoke with before XXXX. XXXX had not removed the information as stated and while XXXX claims he did remove the information and the calls would stop ; I do n't have faith in their honesty. I 'm hoping they will no longer bother anyone Again. Their number is XXXX
Product: Checking or savings account

Severe Mishandling of Account and Funds, Resulting in Significant Distress I am writing to express my extreme dissatisfaction and lodge a formal complaint regarding the repeated and unjustified mishandling of my Marcus savings account, which has resulted in the following : Unwarranted Account Lock and Transfer Blocks : My account was locked without any valid reason, preventing me from accessing and transferring my own funds. Multiple attempts to rectify this through customer service were met with delays, misinformation, and ultimately unsuccessful resolutions. 

Broken Promises and Wasted Time : Marcus representatives repeatedly assured me that issues were resolved, only for problems to persist. This has caused me significant frustration and wasted countless hours on the phone and dealing with the fallout.

Loss of Control and Security : Marcus 's actions have deprived me of control over my own money and created a deep sense of insecurity about the safety of my funds. This is unacceptable and has caused me considerable anxiety and distress. 

Lack of Accountability and Customer Service : Throughout this ordeal, Marcus has demonstrated a lack of accountability for their errors and a disregard for the impact their actions have had on me as a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive spoke with debt collector over the phone before, and every time I have been threatened to be taken to court as Ive tried to resolve this. Ive also been accused of never intending to pay the money back. Because of the threats and accusations from the debt collector I have not wanted to resolve this with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information furnished. Attached is documents showing issues.