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

Firstmark Services is reporting my accounts with them to the credit bureaus twice which is negatively impacting my score, because it is saying that I have been past due on 5 accounts when it's really only 3 accounts, of which 2 are with Firstmark. I have 2 accounts with Firstmark and on my credit report it is saying I have 4. They originally reported the two accounts under FirstmarkXXXX XXXX XXXX XXXX XXXX In XX/XX/2021 I filed a complaint with the CFPB about the credit bureaus reporting on accounts that had incomplete paperwork. XXXX agreed with me and deleted the Firstmark/XXXX  accounts from my report. XXXX and XXXX said that they couldn't delete the accounts until Firstmark told them to, regardless of what documentation I send them. Firstmark didn't like that the accounts were deleted, so they re-reported the EXACT SAME ACCOUNTS but under a new name, FM/XXXX XXXX XXXXXXXX XXXX They did not delete the accounts under the XXXXFirstmark name with XXXX and XXXX prior to reporting the same accounts under the FMXXXX XXXX XXXX name , so now the accounts are listed twice. I have disputed this with XXXX adn XXXX twice, but they keep coming back that Firstmark verified the accounts, so they won't delete it. I have no idea how they're verifying I have 4 accounts when I clearly only have 2. I called into Firstmark this morning and spoke to 2 customer service agents who both agreed I only have 2 accounts but refused to investigate or help. They said that I had to send in a copy of my credit report to them, highlighting where the duplicate accounts are. When I asked why they can't investigate themselves since it's their mistake, and they're the ones reporting it, the agent just said 'this is customer service 's process '. They have been duplicate reporting since XX/XX/2021 and are refusing to fix it. Firstmark has the absolute worst customer service, and I would know because I worked in finance for over 10 years. We would never allow customers to be treated this way. I have no idea how this corrupt company is even allowed to still be open. I just want my credit report fixed, so I can move on from this nightmare that is Firstmark Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Card keeps showing up on my credit report and its is fraud and a scam that is not my fault I already showed them my police report and FBI report also but still they have not taken it off my credit report XXXX  Card ending in XXXX I would like this taken off my report asap
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, went to XXXX XXXX XXXX in XXXX, XXXX. I gave authorization for the XXXX XXXX XXXX to run my XXXX Credit Report Only. Unable to do so, they ran my Experian Report without my authorization.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 a 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 than records of convictions of crimes which antedates the report by more than 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX is asserting my rights and disputing my debts under Code 15 US 1681c-2 1681b 1692-g and 168152 shall remove any information in my file regarding the credit Act.I am requesting this removed immediately, because the information is negative and outdated according to the fair act, and i am requesting a charge off from debt on my credit report.

Accounts Affected by the Crime
Product: Credit card or prepaid card

Citi Bank card was set up for automatic monthly payments. The bank account information was changed to a new account in XXXX of XXXX, they took payments from the new account until XX/XX/2022 then they tried to take XXXX payment out of the old closed bank account. They have been calling XXXX  times a day XXXX  days a week since XXXX stating they can take to payments out of any account they want. My attorney has contacted them to correct the account and seize any further contact which as still not happened.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a written dispute to TransUnion regarding inaccurate and unverifiable information on my credit report. My dispute included proper identification and proof of residency, meeting the requirements of the Fair Credit Reporting Act ( FCRA ) 609 and 611.

However, TransUnion unfairly rejected my dispute, stating that it did not appear to come from me or a properly authorized third party. This is completely false, as I personally submitted the dispute with all required documentation.

By failing to process my dispute, TransUnion has violated my rights under the FCRA, specifically : Failing to investigate my dispute within the required 30-day timeframe ( FCRA 611 ).

Failing to verify disputed accounts through a reasonable and detailed process ( FCRA 609 ).

Failure to remove inaccurate or unverifiable information ( FCRA 611 ( 5 ) ).

I also filed a second request to require a new investigation, but TransUnion has not taken appropriate action. Their refusal to investigate is causing ongoing financial harm and negatively impacting my creditworthiness.

This conduct is unfair, deceptive, and a direct violation of my rights as a consumer.
Product: Debt collection

The debt was sold and charged off and a XXXX party company bought it for pennies on the dollar and trying to collect the ending balance from me
Product: Money transfer, virtual currency, or money service

Moneygram decided that I could no longer send money to my partner in XXXX and did not inform me of that for months. I was told that they would have an answer for me within 30 days as to why my transaction was cancelled on XX/XX/XXXX of {$500.00} and I called repeatedly back and no answer was given. On XX/XX/XXXX, after not having used the service for months, I tried sending money again and Moneygram this time took my money and said that it was ready to be picked up while my receiver went to two different offices in XXXX and was informed both places that the transaction was returned to me. However, the transaction has not been returned to me as of today, XX/XX/XXXX, and damages to our work and to his livelihood have resulted.
Product: Credit card

I was denied a business credit card with Chase Bank on XX/XX/year> after being sent an invitation to apply. I was then sent a denial notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 when I submitted a dispute letter for those inaccurate and unknown accounts. over 30 days now haven't received a response. I was a victim of the XXXX Data breach. I want all those unknown and inaccurate accounts must be delete from my credit report or I will file litigation.
Product: Student loan

XX/XX/XXXX, I submitted my tax documents from the year before, to my loan holder, MyFedLoans. In XX/XX/XXXX, I received a notice that I was no longer on the income-based repayment plan because I did not submit my tax documents. When I called to argue that I had submitted them, I was told that I submitted them with a different form, for the Public Service Loan Forgiveness program, so they were not used for updating my IBR plan and I would have to re-submit the same tax info again. It would also take 2-3 months to be processed during which time I could either pay the amount of more than six times my IBR plan or go on forbearance. Obviously I could not afford that, so I went on forbearance. XXXX months later, I was notified that my application had been denied because I had not marked that I was on forbearance. When I went to reapply, there was nowhere to mark that I was on forbearance so I called the loan provider who told me that I had incorrectly marked that I was applying to get onto an IBR plan, when in fact I was still on the IBR plan. Of course, I argued that I was not as I had been receiving bills for an amount that was well above my income and was told that that was because my plan had expired, but I was still on it. I reapplied again and the representative suggested that I not continue my forbearance but rather wait to make a payment until my application was approved because they do not report delinquent payments for 90 days. I suggested that did not make me comfortable and am still waiting to be reapproved and put back on the IBR plan, that I am apparently still on, even though my bills show otherwise. I should also add that every piece of documentation I receive from the lender states that I either was or was not approved on the following loans and then lists several pages of words, through which I must hunt to figure out what this piece of paper actually says. I have completed graduate school with the highest degree offered in my field and worked for several years as a paralegal and still struggle to understand communications and my role in this relationship. I try very hard to be on top of my finances and pay my bills but this is impossible!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i received an email from discover card telling my account is closed due to inactivity.The email shows a credit score of XXXX which is incorrect from XXXX.A XXXX report from XX/XX/2020 shows a credit score well over XXXXI dont know where discover is getting there score from buts its incorrect.
Product: Credit card

On XXXX two charges were made on my Bank of America credit card, one in the amount of {$53.00} ( controller ) and one in the amount of {$530.00} ( XXXX ) at XXXX XXXX in Minnesota. When I found the charges on my card, I called the bank told them they were fraud, I did not make them. They apparently tried twice to charge these items on my card, The first time they were declined the second time they went through. The bank refunded my money while they researched, Then they decided they werent fraud and recharged my card because XXXX XXXX told them they had all my info and that these were delivered to my home. I called the XXXX XXXX told him this is fraud charges. They said I would have to deal with my credit card co. I called Bank of America back again Told them these were not my charges I never ordered nor received these items. They said the information they got from XXXX XXXX stated that they were sent and received by me at my home. I researched and found the order details of these items and was able to get a copy of the order which stated these were picked up, not sent to my home, at a XXXX XXXX in XXXX, Florida. I then went to my Bank of America branch and had them fax the copy of the order details that states these were picked up, not delivered to me. I also went to the XXXX XXXX that they were apparently picked up from to try and get video of who the people were but because too much time it passed I was not able to.
Product: Debt collection

I never had a contract with this company called PROCOLLECT. I sent a validation letter on XXXX / XXXX /2017.  I never received any type of validation in regards to my letter from this company.Procollect states that I owe them XXXX for an unpaid balance but they have yet to send any validation that I have a contract with this collection agency.. I also called on last week with a recorded phone call and they stated that they can settle the account for XXXX but that 's only valid for 48 hrs. Then they stated that we agreed on the settlement which I did n't, but because I called they said I agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi bank, otherwise known as CBNA did a hard inquiry on my credit report today with out my consent. I ordered a replacement credit card from Citi because my magnet strip was not working on my current Citi card. This in no way should have made them do a hard inquiry. I have not applied for any other credit card from Citi nor have I applied for a credit line increase on my current Citi card.
Product: Bank account or service

On XXXX XXXX, 2015, I filed an affidavit of fraud with Suntrust Bank, after reviewing my bank statement and noticing XXXX ( XXXX ) fraudulent charges for the period of XXXX XXXX, 2015. A total of {$940.00} worth of charges stemming from XXXX, Michigan was deducted from my account using my bank debit card information. After submitting the affidavit of fraud to Suntrust Bank, I was given a refund of {$120.00} for XXXX ( XXXX ) of the XXXX charges. I was told that I would need to contact XXXX directly to inquire about a refund for the amount of {$480.00}, in which I did, and XXXX was able to conduct a payment search, located the fraudulent charge and reimbursed the amount immediately. Suntrust Bank then gave me a provisional credit of {$460.00} for the remaining charges, which included a XXXX of XXXX amount of {$310.00}. Several days later, Suntrust Bank reversed the provisional credit all but {$120.00}, indicating that I have a past history of making payments to XXXX and shopping at XXXX XXXX. I do have a history of making payments to XXXX of XXXX XXXX XXXX, but NOT to XXXX of XXXX, which is were the fraudulent payments all stem from. I do shop at XXXX, but in the XXXX area, and NOT in XXXX. As such, I submitted a rebuttal to Suntrust on XXXX XXXX, 2015, and was then told that it takes XXXX days for the investigators to make a decision. I believe it is absolutely ridiculous that I have to fight a bank that I have been a customer with for over XXXX years regarding fraudulent charges. Further, it is beyond understanding why they were able to refund most of the other charges that were also made in XXXX, but refused to reimburse XXXX of the largest charges.
Product: Checking or savings account

I do not recognize this company that has made XXXX charges to my business account at Bank of America of {$1900.00} in the month of XXXX. I made a claim with the bank, and they sent me a contract with several errors signed electronically for a loan that I did not sign and neither I received,
Product: Credit reporting or other personal consumer reports

According to the law in 15 U.S.C 1681, consumer reporting agencies must adopt fair procedures for credit and info accuracy. But XXXX, you're not meeting my needs or being fair by reporting errors. 

Under 15 U.S.C 1681a ( d ), a consumer report covers any info from a reporting agency about a person 's credit worthiness. You can't claim to verify accounts unless you can prove it, as per 15 U.S.C 1681a ( e ), which defines an " investigative consumer report. '' There shouldn't be specific factual info about my credit record directly from a creditor, as the term " creditor '' means someone who regularly gives credit. This is a violation of 15 U.S.C 1692b ( 2 ) and 15 U.S.C 1692a ( 2 ).

As per 15 U.S.C 1692c ( b ), communication shouldn't happen unless it involves the consumer, attorney, or a CRA if permitted by law. Only specific actions are allowed for refusal to pay a debt.

Debt collectors aren't allowed to use any conduct that harasses, oppresses, or abuses a person in collecting a debt, as stated in 15 U.S.C 1692d. Threats or harming someone's reputation or property are also not allowed, as per 15 U.S.C 1692d ( 1 ).

False representation about the debt or communicating false credit info is against the law, according to 15 U.S.C 1692e ( 2 ). Also, foreclosures, repossessions, wage garnishments, or arrests for debts are illegal under 15 U.S.C 1692e ( 4 ).

If a dispute is made in writing, debt reporting must stop until the dispute is resolved, per 15 U.S.C 1692g ( b ).
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfers

My credit limit is {$11000.00}. I want balance transfer {$9700.00} from {$11000.00}. But my credit card company told me I can only {$5500.00} transfer from that. But why? This is not mentioned in cardmember agreement. Also I called XXXX times but they do not give me reasonable reason. I say what is meaning of agreement. They told me I can transfer only 50 % of credit line. But this never mention any where in cardmember agreement. Actually they offered 0 % balance transfer for 15 months. Please see attached cardholders aggreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax on
XX/XX/XXXX and I spoke to a manger and I advised him that the inquiries listed do not belong to me and I have no knowledge of them. Of course he advised me to call each one of them and ask for removal. I did contact each one and was left with nothing, each of them told me they had no knowledge of what I was asking and could not help me nor could they verify that I allowed them to run my credit. I called Equifax back asking them to speak to someone in fraud about this and they transferred me over to be told there is nothing they can do and creditors can run my credit when they chose. I know this is incorrect and they suggested a fraud alert but I am in the market for a home and do not want to do that. I have attached a list of the inquiries that the manager told me to call. Please assist me with removing these.
Product: Credit card or prepaid card

I have paid my balance in full every month since I received my Capital One ( Venture/Quicksilver ) cards. In the past year-They have now started taking weeks to process the payments and then claim that the payment is late and charge fraudulent late fees and interest. I have called them numerous times to correct the issue-which they have always done in the past. When I called yet again today-I was told that they would no longer be able to refund the late fees & interest charges. I promptly closed both accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have repeatedly disputed accounts that dont belong to me or involved fraud charges. Credit Bureau fails to remove account encouraging defamation of character and causing financial hardship
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, Office of the ATTY XXXX : # XXXX, XXXX XXXX : # 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 a 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 than records of convictions of crimes which antedates the report by more than 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 reporting, credit repair services, or other personal consumer reports

A written request to delete the information from my report because it was incorrect, because it was unauthorized. 
Instead of deleted it from my personal information the credit reporting company updated the comment section and reported information that again was incorrect and inaccurate. 

I have written to them 2 times demanding the deletion and it has not been done. 

I have not provided authorization to provide information without my consent, especially for companies that have paid them to provide it to the for profit. 
They are a for profit company and the Federal Law states that it must ALL be accurate and correct. 

My rights have been violated on more than one occasion.
Product: Debt collection

A company claiming to be XXXX XXXX XXXX XXXX. says they are collecting for Citibank MasterCard to collect and will make settlement before charge-off. They contacted my son while at work asking if he had poa for me, gave him the name XXXX XXXX & case # XXXX on X/XX/2017. I gave them a call, someone with another name came on phone wanting to settle {$1700.00} debt for {$1000.00}, he said a certified letter was returned in XX/XX/XXXX from the p o box # which had been temporarily closed, I told them to resend it to have documentation to review. No letters or documentation just phone calls. I have blocked the number, my son has gotten 3 more calls with them leaving voicemail messages. I can not find record of this debt on my credit report through XXXX or a credit counselor.
The numbers used by this company are XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a used vehicle loan with XXXX XXXX XXXX since XXXX of XXXX. The lender is falsely reporting that the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments were 30 days late. Lender 's own payment history on account demonstrates otherwise. XXXX XXXX XXXX processed a payment on XX/XX/XXXX for {$510.00}, processed a payment on XX/XX/XXXX for {$510.00}, processed a payment on XX/XX/XXXX, and a processed a payment on XX/XX/XXXX. I have attached a print out of payment history from the lender 's customer portal on their site XXXX XXXX XXXX XXXX XXXX XXXX. The payment history confirms payments during those months and also include payments made before and after as well. I have also attached canceled checks for those aforementioned payments. 

I have made a complaint through creditor that was not addressed by lender and I wrote lender a letter with attached proof pf payments via USPS return receipt letter that lender did not reply.

The error is not only false but is severely hurting my credit score. XXXX XXXX is implementing PREDATORY LENDING behavior as it uses credit history or erroneous payment reporting to harass and discriminate against borrowers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX inquiry All of these are inquiries were reported to my credit without authorization!
Product: Debt collection

I had a settlement agreement with  Northland Group  #  XXXX , ( A   XXXX   XXXX   account #  XXXX  ) I paid my debt and have cancel checks, and numerous of times since  XXXX     2015 have  call them to tell them to remove the outstanding balance from credit report because it shows outstanding. as of today they have done nothing.