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

Spoke to XXXX XXXX after making an inquiry on XXXX XXXX. Told them I did not want to go forward with an application and I don't consent a hard pull. They have this recorded and they confirmed it. 

They pulled my Experian Credit Report. 

I contacted them to correct and they said they didn't know how. I contacted Experian, but you can't dispute an inquiry online. I called, but their phone tree isn't working. Tried several times with several different phones. It makes you say or input your SSN, but doesn't recognize it when you input it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problems began in XXXX of XXXX as to I had applied for my 1st ever credit card with XXXX XXXX credit card .I shortly after due to issues in my home became XXXX  me and my wife split up, and I pretty much ended up loosing everything I ever owned.back in XXXX I managed and start the production of building Recording studio 's for various artist in the surrounding area. I managed the company and it ended up being my new home until the end of XX/XX/XXXX. 
I did not recieve any of the wages I worked for nor proof of employment and to make matters way more stressful one of the artist stole my credit card. I had been in contact with the credit card company every month, By XX/XX/XXXX they had canceled my card.i called a noted number of times to reach out to fix the matter i was lied to as well as told that they didn't have my account any more the sold it to another company in which released my information to other companies that i had never heard of. In XX/XX/XXXX I had opened a account with XXXX in the area for my business and I was still struggling but i brought my credit score from a XXXX up to a XXXX by XX/XX/XXXX i was closse to score XXXX  XXXX notified me that that a fruadulent was deposited in to my account. the banker i had then literally proceeded to humiliate me in public my account information was shared with unknown other customers the teller was presented with evidence that would have cleared me not to been involved with the matter i was made to feel like a common thief because of my XXXX, and also as a customer my rights were vilitated and and my creditibilty as a small business owner was tarnished I have loss wages do to all this and also Direct express had known about my identity be stolen ans has refues any evidence i have to provide
Product: Debt collection

I don't recall having a contractual relationship with this collection company Genesis Credit Managment. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX Balance Owed : {$30000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX. File # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and let them know they ran my Equifax credit three times on multiple days XXXX, and XXXX. I asked the rep why are they running my credit report multiple times and she arguing with me over the phone saying that they didnt when I have relevant proof. I asked XXXX to remove the multiple inquiries that they saying never received a credit report. I seeking legal action because I shouldnt have to argue with customer service when it is clearly showing on my Equifax credit report.They need to train the staff on how to handle things over the phone.
Product: Credit reporting

I did not give permission to pull my credit report from Equifax from the companies below. I reached out to creditors via mail and left messages. NO RESPONSE. 
Please REMOVE ASAP XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Credit Information Dept XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

The inaccurate information maintained on my credit report has not only resulted in significant financial harm but has also caused substantial XXXX XXXX The false representation of my personal and financial information is a clear act of fraud. It has deceived creditors and financial institutions, leading to higher interest rates, denial of credit and an overall detrimental impact on my financial standing. This constant struggle to rectify these inaccuracies has inflicted undue XXXX and XXXX, undermining my trust and the credit reporting system. 

Moreover the persistence of these errors despite multiple disputes exacerbate the situation, suggesting an element of extortion. By refusing to correct these inaccuracies, you are leveraging this misinformation to exert financial pressure on me. This coercion forces me into a position where I am compelled to take unnecessary financial measures, further aggravating my emotional and financial well-being the distress caused by the situation is profound as I am being unfairly penalized for errors that are beyond my control. 

The continuation of these inaccuracies represents a violation of my rights under the FCRA and FDCPA The failure to correct or delete this false information despite clear evidence and legal demands, highlights a disregard for the laws designed to protect consumers. This ongoing issue is caused not only financial repercussions but also significant emotional turmoil impacting my daily life and overall mental health.
Product: Debt collection

Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to I.C. System Inc. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by I.C. System Inc. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of I.C. System Inc.
Product: Debt collection

To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally dispute two fraudulent accounts that were opened in my name with Affirm without my authorization. I have already reported this as identity theft, but these accounts remain on my credit report. 

Details of Fraudulent Accounts : Account Number : XXXX Opened on XX/XX/XXXX Amount : {$470.00} Account Number : XXXX Opened on XX/XX/XXXX Amount : {$290.00} I did not open these accounts, authorize these transactions, or receive any goods or services associated with them. This is a clear case of identity theft, and I request the immediate removal of these accounts from my credit report. 

Actions Taken : 1. I have already filed an identity theft report with the Federal Trade Commission ( FTC ) via IdentityTheft.gov.

2. I have placed fraud alerts on my credit file with XXXX, XXXX, and XXXX. 
3. I have contacted Affirm to inform them of the fraudulent activity. 

Requested Actions : Immediately remove these fraudulent accounts from my credit report. 
Provide me with a confirmation letter stating the accounts have been removed. 
Ensure these accounts do not reappear on my credit file. 

Personal Information : Full Name : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I appreciate your prompt attention to this matter and expect these fraudulent accounts to be removed in accordance with the Fair Credit Reporting Act ( FCRA ). Please provide written confirmation once this issue has been resolved. 

Sincerely, XXXX XXXX Where to Submit This Complaint : CFPB : File online at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If they dont remove the accounts within 30 days, follow up and escalate. Let me know if you need help with the process!
Product: Credit reporting or other personal consumer reports

I am reaching out to follow up on my previous communication regarding the settlement of this account and to request its removal from my credit report.
Product: Checking or savings account

On XX/XX/year>, approximately {$26000.00} was fraudulently taken from my business account. Despite this, the bank has not made any efforts to credit my account for the loss.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX bank 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 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 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, has violated my rights XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

XX/XX/XXXX I had fraud on my Wells Fargo check and credit card accounts totaling {$6000.00}. {$3000.00} of the funds were refunded XX/XX/XXXX and an additional {$2000.00} on XX/XX/XXXX however {$1000.00} remained outstanding as explained by the bank " refunding that amount would have caused my check account to become overdrawn ''. 

When reviewing my XX/XX/XXXX bank statements I noticed I was being charged interest for cash advances on my credit card and upon enquiry I was informed that was from the {$1000.00} that remained unsettled from the fraud in XX/XX/XXXX. 

I have sought resolution from the bank to have the interest charged refunded as I do not feel it is fair business practice that I am : - A ) being charged 29.24 % on funds that were part of a fraud / theft - B ) compounded that I am being penalized for the various bank policies that prohibit the return of the final {$1000.00}. 

XX/XX/XXXX I received final notice from the bank that the bank has closed my case. 

What I am failing to understand is why I am being penalized in any way for funds that were fraudulently taken from my account - either with the lack of the full return of funds or interest charged on transactions I have not incurred.
Product: Credit card

I filed for bankruptcy in XX/XX/XXXX and was granted a discharge of all debts. In XX/XX/XXXX I pulled my XXXX credit report and noticed that Fifth Third bank has listed my account as being Transfer/Sold and as a charge off. I filed a dispute with XXXX and on XX/XX/XXXX XXXX reported that Fifth Third bank verified with them that the account is being reported accurately. On XX/XX/XXXX I contacted Fifth Third ( XXXX ) and spoke with XXXX XXXX who stated that in her system the debt was listed as discharged in Bankruptcy. I was then transferred to XXXX ( Bankrupcty Dept. ) who told me he would look into my concerns. On XX/XX/XXXX, XXXX called me back and said that after consulting with numerous employees in his department they determined that the account was being accurately reported to XXXX and XXXX. Under federal law, once a borrower has erased a debt in bankruptcy, banks are required to update the credit reports to indicate that the debt is no longer owed, and remove any notation of " past due '' or " charged off. '' This practice keeps this bill alive on my credit reports although it was legally eliminated in bankruptcy. Fifth Third has engineered what amounts to a subtle but ruthless debt collection tactic, effectively holding my credit reports hostage, refusing to fix the mistakes unless I pay money for a debts I do not actually owe.
Product: Credit card or prepaid card

i purchased a mini XXXX XX/XX/XXXX from XXXX XXXX. when the jeep arrived it was severely damaged and not usable at all. i reached out to the company many times to try to get the item either returned or replaced and the company did not want to do anything at all to help me. the jeep was {$2800.00}, and the company offered me {$100.00} to fix {$2800.00} worth of damaged. they did not want to take any responsibility whatsoever. That is when i opened a case with Goldsman Sachs to fully dispute the charge against me since i did not receive the product i ordered and instead got damaged goods. I provided all the emails that i had with Venom to the credit card company, i provided all the damages pictures i gave Goldsman Sachs every information that i had. i was thinking that it would be an absolute no brainer for Sachs to make the correct decision biased on all the evidence i provided. to my surprise Sachs declined my dispute and sided with the vendor. i later got a letter from Sachs explaining why they decided how they decided and to my surprise they did not look at any information that i provided them. they fully ignored all my evidence and sided with the Venom.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX 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 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
Product: Credit card

They double charge my credit card on a hotel stay. They refuse to fix it. I sent proof of the the double charge both to hotel and credit card company no one is willing to fix the charge. I complain about the credit card because all the reviews and complaints have been about them double charging customers. I have proof if needed.
Product: Credit card

As an XXXX spouse so this has been a nightmare for our family. On or around XXXX XXXX someone kept using my best buy Citi bank card and kept making unauthorized transactions. Best Buy supposedly investigated and I am somehow on the hook for said items I do not have. I'm stuck paying for a XXXX item. I issued to cancel the card and yet my account was still being used to make more purchases, I believe the last purchase went through for about XXXX bucks. I have already been given XXXX new cards and yet nothing has changed. I have suspicion that someone at the best buy store or maybe online some how got ahold of my account because how can I be at work and at Best buy store at the same time. Just about XXXX weeks ago Best Buy sent me a new card again, not sure where to go from here.
Product: Vehicle loan or lease

Of XX/XX/2020 I paid of my car loan and never got a lien release. XX/XX/XXXX I called truist formally XXXX and XXXX to try to get a lien release from them. I called them every day and a different employee would put in a request saying they would email me I'm two days and mail one in 10-12 business days. I have gotten nothing and called the XXXX to be told the same thing. truist is giving me the run around and has not given me my lien release so I am unable to sell my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMEX, checked My Credit report without my agreement I called to try an get the agent to removed them from my report. they has me speak to more then one agent to get this resolved. *We are seeking the following to have sir-pressed from public. have Points added back on My Credit Score.    The Following agent ID Number :  XXXX   XXXX   XXXX   XXXX  The agent that submitted the 2nd inquiry on my report.    XXXX   XXXX   AMEX   XXXX   XXXX ,  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  AMEX  XXXX   XXXX ,  XXXX   XXXX ,   XXXX     XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  Seeking the sir-press ion of these  two  items
Product: Debt collection

Since XX/XX/XXXX I have phone records to prove that I have received 142 calls from Financial Recovery Services ( FRS ). I have repeatedly told them not to call my phone again, put my number on the Do Not Call list, and told them again yesterday that I would report them if I received another phone call from their company. I've told them a few times this month that I would report them and they called again tonight. The numbers they call from are slightly different, but I assure you that the XXXX area code numbers are all FRS.
Product: Debt collection

I requested a confirmation email for the amount of the settlement we agreed on, being {$580.00}. I was told that I could make this payment in two installment payments, and I requested that in the email. When I received the email, the installment payment agreement was not included. The email stated the payment was due in full on the date the email was sent, XX/XX/year>. By telling me I could pay in installment payments, they were trying to get me to agree to something that I was given false information about. I was not told till AFTER the email was sent that I could not pay in installment payments, in which the manager started threatening to come after my family and put a " failure to pay '' on my account. He used the fact that it's not in writing against me, BUT it is recorded on their monitored call. This violates 1692.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to remove the dispute comments from two accounts on my Equifax credit report and they have failed to do it. The two accounts are XXXX  XXXX XXXX - XXXX and XXXX XXXX XXXX - XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Honor Finance on XX/XX/XXXX regarding 2 hard inquiries done XX/XX/XXXX. The one I asked them about was XX/XX/XXXX. The company person did not explain why they ran a hard credit check twice, once on XX/XX/XXXX and XX/XX/XXXX. I explained to them that I would like the XX/XX/XXXX removed due to already getting one done XX/XX/XXXX. They refused, so I would like to dispute this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple time to have the issue corrected with the company, and with letters in phone called, and they have not corrected the unauthorized information. I will attach some of the information - The CFPB has contacted them, and they reported that they would correct or investigate the issue, and did not complete with they said they were going to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report
Product: Credit reporting or other personal consumer reports

Experian fail to supply my with my credit score/credit report as it is my right as a consumer under federal law to have access to my credit report/score at all times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and I still see the disputed account in my file I already request verification and a fix to the disputed account. Therefore I am filing a follow-up complaint to ensure that the listed account is updated Please fix the listed account : XXXX XXXX XXXXXXXX Balance : {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Th e Credit Agency incorrectly  shows a number of late mortgage charge against our account, in  all about one year of errors in reporting. There were Zero la te charges against our  XXXX  account in  2016.    This is unfair, we attac h two pages, a  XXXX  statement called the " customer account activity statement '' and there are zero lat e charges on this  XXXX   XXXX   XXXX   XXXX     Statement.
We are being gravely harmed by the Credit Agency, as this report is stopping us from    getting a mortgage.     Their delay has cost us a serious increase in price of a house purchase.   Also, an increased payment for 30 years, as interest rates have increased ..   A loss of home enjoyment, because at  XXXX , this lost time is invaluable.     House prices and mortgage interest rates are continuing to increase rapidly in our area of intended purchase.
Product: Mortgage

During the covid pandemic, I was told by my mortgage company ( Flagstar bank ) that I would be getting a forbearance on my loan, which I did not request. When it came time to start payments, I spoke to a representative at the bank who told me that the payments missed would be added to the end of my loan, without interest. As I have been trying to refinance my loan, I am now being told that I owe almost {$30000.00} for " missed '' payments. So while I paid {$220000.00} for my home in 2017, they are now telling me I owe {$230000.00}. How can I owe more than I paid for the home??? I called, emailed and asked numerous times for some to explain this to me and they keep saying they will reach back out. Another company, XXXX XXXX is now servicing my loan, so I am assuming they paid off the $ XXXX but again, how could I owe more than I paid for the home after making payments for 7 years?