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

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These credit accounts and hard inquiries are the results of identity theft and fraud
Product: Debt collection

I reached out to the company on XXXX in regards to an email that was received stating a special reduced amount of {$3000.00} to take care of debt. I was told that amount was no longer active, yet I received the email on XXXX. I advised agent I would like the account balance updated to reflect the amount in which the vehicle was sold for. The agent proceeded to say, we can take of the balance for {$3500.00} over a 6 month period. I stated that is not the amount displayed in the email, so he proceeded to say we can take care of the balance for {$7600.00}. I stated again I would like the balance updated to reflect the actual amount that is owed. He stated they would not do that until I made a payment. I stated, you gave me two amounts different from the amount in the email and I asked to speak with a Supervisor. He stated no and he was the account manager of the account. I said how are you the account manager of the account when I've called previously and spoke to a different agent. I asked again for the account balance to be updated and he stated no, they do not do that unless I agree to pay and I stated that doesn't make sense and disconnected call.
Product: Debt collection

" This message is for XXXX this is XXXX XXXX calling from the process division. I need to verify a current address as well as a place of business address to proceed against you at this time as you are forfeiting your right to take care of this matter outside of court. We will contact your human resources department to follow proper protocol and procedure to serve you oino the property. Again the client is willing to rectify this matter if they hear from you today. Their number is XXXX. and reference your case number XXXX '' I receive this message on a regular basis. The one time I called back they were rude when i wouldnt give them my SSN as well as stating they did not have to provide a leter when I asked for it.
Product: Credit reporting or other personal consumer reports

I found unauthorized hard inquiries on my report, conflicting with 15 USC 1681c-2. Please remove them to protect my credit.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates that we eliminate any incorrect accounts from my credit report. Can you review the documents? Several accounts listed have errors in reporting, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

I am in the process of loan forgiveness and they keep adding interest to my loan amount witch is effecting my dti
Product: Debt collection

Premier Portfolio Group contacted me stating that they held a payday loan debt from XXXX XXXX XXXX, a company I have never done business with. The representative, XXXX, stated that this was their last courtesy call and that I would face legal action for defrauding the company and would be sued. I asked for confirmation of the debt and was sent a letter via email. I told her that I would contact my attorney and have him call her. Instead, I contacted XXXX XXXX XXXX and confirmed that I had never had dealings with them to rule out something fraudulent being done in my name. The representative from XXXX XXXX XXXX, XXXX, advised that I have no record with them and that this was a fraudulent request. XXXX also stated that XXXX XXXX XXXX does not sue anyone for debts that have been defaulted even if i had something with them. She asked that I report it as well. I contacted Premier Portfolio Group and advised them that I did not owe the debt and would not be paying. The " manager '' that answered stated that she would pursue the account with XXXX County and would note that I had refused to pay. She stated that my case was now closed and they would pursue action. I wished them luck and ended the call. The website for their company is http : //www.premierportfoliogroup.com/home.html. The call I received yesterday was from a XXXX number and today was from XXXX XXXX. The letter they sent stated XXXX.
Product: Credit reporting or other personal consumer reports

As per FCRA 605B, any misreported accounts must be removed from my credit report. Can you look into the documents? The reporting, amounts, and dates for some accounts are incorrect.
Product: Debt collection

Contacted CEO and many others electronically without response. ( Attached. ) Non-responses equate to fraud. 

Contacted via two XXXX  handles, # Syncrony and # AskSynchrony without response. 

Synchony Bank is not registered to do business in STATE OF FLORIDA i believe. 

Synchony Bank will not produce tax ID, legal name, or registered agent on repeat demand in bad faith. 

Synchony Bank has perpetrated an identity theft with the credit agencies, we have no lawful contract. Additionally they report two different amounts, another act of fraud. 

We require your help.
Product: Consumer Loan

I filed for Chapter XXXX bankruptcy in XXXX XXXX, but I indicated to my lawyer and my car loan company that I intended on continuing to pay on my XXXX XXXX XXXX car loan through Hyundai Motor XXXX. However, once my bankruptcy was filed Hyundai Motor XXXX made it impossible to pay my auto payments online or over the phone. The first payment attempt I realized that they had locked my options on my online access for my loan, so I could not pay on my loan. It listed a XXXX number to call so I attempted to call it to make the payments, but the number would ask for my account # then ask if I had a direct extension number or wait on the line to be connected to representative. However, after it transferred me to another extension it would immediately disconnect the call. I tried numerous different Hyundai Motor Finance numbers, but it would always transfer me to this number if I put in my account #. Finally, I tried a different number without disclosing my account number and I was connected to a representative. I was able to pay my XXXX monthly payment, but the representative I was transferred to indicated that I would not have online ability to pay on my account until I signed an reaffirmation agreement for the loan. The representative indicated that XXXX had been sent to my attorney, and I needed to sign it before they would resume normal payment processing with me. Additionally, she said that this was required by law due to the court stay for the bankruptcy proceedings? Since that time I have been unable to get a representative on the phone and the reaffirmation agreement was never sent to my attorney as they indicated that it would. My attorney has indicated that he has never received any reaffirmation agreement from XXXX, and he disputes that the stay would have required XXXX to lock me out of my online account. The stay ended a few days ago and now I do have access to my online account again, but the payments required and late fees have stacked up making it very difficult to catch the loan account up to date. I believe Hyundai Motor Finances actions were both unethical and dishonest, and quite possibly illegal. I only wanted to maintain my loan with them but I believe they are trying to push me into a repossession situation.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any inaccurate accounts from my credit report, if I'm not mistaken. Can you review the documents, please? There are inaccuracies in some of the listed accounts, and it's unsettling for me
Product: Checking or savings account

XXXX accidentally took money from my account. I contacted USAA to dispute but they told me they can't dispute pending charges unless they are fraudulent. But once the payment FULLY posted then I could dispute it. In the meantime, I am overdrawn through no fault of my own and can not even buy fuel for my vehicle to pick my kids up from school ( we are in a very rural area ). 

I asked about even disputing it as fraudulent, which it wasn't, if I could get a provisional credit just to have access to MY MONEY to get fuel and they said they DO NOT KNOW when or how provisional credits are applied to accounts. THEY DO NOT KNOW! 

So now XXXX, the same exact day, within HOURS of taking the money from my account, canceled the payment and issued a refund. I see the refund against my account in name only. The pending refund is NOT being included in my available balance BECAUSE IT IS PENDING but the withdrawal that is pending IS against my available balance! 

I have called them back to ask about this and they said because the refund is pending it won't be included in my available balance. But the withdrawal IS! So here I am screwed out of my own money!! I now have to frantically figure out how to get my kids from school!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, personal loan, or advance loan

BMG Money is reporting to all credit bureaus I opened a payday loan account with their company on XXXX. There are XXXXive different accounts on my credit report associated with BMG. It is impossible to acquire five different accounts in the span of a year. I took out a loan with BMG, when you pay a portion of the loan you are allowed to refinance. Therefore the loan is not completely paid off, I am not understanding why a new account number is created when you refinance, and reported as a new loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided to Equifax, XXXX and XXXX, proof that I have never been late on my XXXX   accounts. I have requested that they remove the lates. I have uploaded the proof they need dating back past when they said I was late. XXXX told me they reported it in error but still nothing has been done. I am extremely frustrated by the lack of help all three credit bureaus have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains on XXXX Please help me resolve this issue as it should not have been on my report to begin with.
Product: Credit reporting or other personal consumer reports

I obtained my Experian credit report online. There were U.S. Bankruptcy Court items listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not validate information with the original creditor, they must remove said information from the consumer credit file.

The Bankruptcy Court and PACER mailed me letters which emphatically stated that they do not provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. As you know public records information is never validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency privacy law.

My inquiry to the U. S. Bankruptcy Courts and PACER confirmed Experian has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are not liable or responsible for any misuse or incorrect public records, nor the distribution of said information, public records may, and often times are, reported by third party sources unaware to the consumer, and in most cases, incorrectly. I have requested numerous times that Experian upholds their fiduciary duties and handle my consumer file properly, remove all negative items and any reinsertions from my reporting file per 15 USC 6801 ( b ). Letters requesting such were sent on XX/XX/XXXX, XX/XX/XXXX and XXXX date Experian has refuse to uphold their duty and properly remove the requested information. For my last attempt I sent a letter on XX/XX/XXXX again requesting removal of all negative accounts and any reinsertion of accounts as well as opting out per 15 USC 6508.

I have and will continue to closely monitor my credit file. Im aware per the Federal Law they have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that they post on anyones credit report. Otherwise, anyone paying for their reporting services could fax, mail, email in fraudulent and erroneous account information. Ive already notified Experian if this unauthorized public record information wasn't deleted from my credit report within 30 days, I would be filing a complaint to the Consumer Financial Protection Bureau, which is what I'm doing now. 

I have attached supporting documents to show inaccuracies between Experian, XXXX and XXXX and how they are all in violation of 15 USC 1681, inaccurate reporting. Also credit report showing how Experian removed and the reinserted deleted information.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found this account XXXX account number XXXX on my credit report that were not opened by me. Also three addresses that does not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding the unauthorized reporting of accounts on my credit profile, which has resulted in financial harm. I am deeply concerned about the violation of my consumer rights as outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2.

I have identified the following accounts that have been reported without my written permission : Account # XXXX : XXXX or [ XXXX ] Account # XXXX : XXXX or [ XXXX ] According to 15 USC 168162 , I have not provided written permission for XXXX XXXX XXXX to include any information pertaining to these accounts on my credit profile. Additionally, the FCRA mandates that furnishers of information to consumer reporting agencies, such as XXXX XXXX XXXX, have a duty to provide accurate information. Section 1681s-2 ( a ) ( 1 ) ( A ) explicitly prohibits the reporting of information with actual knowledge of errors.

The unauthorized reporting of these accounts has caused me significant financial harm, including : XXXX. Damage to my credit score, resulting in higher interest rates and decreased access to credit opportunities. 
XXXX. Costs associated with disputing inaccuracies on my credit report, including fees for credit monitoring services and legal assistance. 
XXXX. Loss of opportunities or benefits due to the negative impact on my credit history, such as being denied loans or employment opportunities. 

In addition to financial harm, I am deeply distressed by the violation of my consumer rights and the impact it has had on my financial well-being. The unauthorized reporting has caused me considerable anxiety and stress, as well as frustration at the disregard for my privacy rights. 

Furthermore, I have identified XXXX violations on the reported accounts, including the failure to provide me with real proof of these accounts with a wet signature, as required by law. 

As a result of these violations and the inaccuracies found on the reported accounts, I demand compensation of {$1000.00} per violation. Additionally, I insist that both accounts be removed from my credit profile immediately. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX for their non-compliance with federal regulations. I also demand that XXXX XXXX XXXX cease all reporting activities related to my accounts Thank you for your prompt attention to this matter. I look forward to a resolution that upholds my consumer rights, ensures fair and accurate reporting practices, and addresses the financial harm I have suffered, including the compensation I have requested.
Product: Credit card

Consistently, I've guaranteed timely payments on this account, avoiding any lapses into overdue status. The rationale behind the reported late payment remarks on my accounts remains unclear. In accordance with 15 USC 1666b - Billing Error, adjustments should be implemented.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a Bankruptcy thats currently reporting on my credit file with XXXX, XXXX and Equifax. This Bankruptcy was completely dismissed and should not be reporting on my credit file with XXXX, XXXX and Equifax. Please remove the inaccurate Bankruptcy thats reporting on my credit file. Please and thanks
Product: Mortgage

My father passed away on XX/XX/2023, and I contacted the reverse mortgage company on XX/XX/2023, to get a payoff quote. I was told it would take XXXX to XXXX hours to receive the quote and asked for it to be dated to the end of the month. That should have given me about XXXX days to receive and process the payoff to them. They waited until the XXXX of the month to send me the quote which was due on the XXXX. The quote I received from them contained XXXX worth of bogus fees consisting of : XXXX for an appraisal that did not occur, XXXX for title examination fee, and XXXX for property inspection. All of this to pay off a home equity line of credit with a total outstanding balance of XXXX. They also told me that paying off the balance would not generate a paid in full letter or any other kind of release documents. They said I would have to call back for those. The company did order an appraisal which I rejected when I was contacted to schedule it by a random person in my area. I'm not sure what kind of title examination that was required on a property that owed less than XXXX and there has not been a property inspection. Suspecting that this company would use as many unscrupulous methods as possible to squeeze every dime out of my father 's XXXX, I wired a XXXX payment shortly after I requested the payoff quote, which should mean that they owe me money and they have yet to credit the account with the XXXX. Because I've previously been through a different situation with this company which wasted months of time and hours on the phone, I decided to go ahead and file this complaint sooner rather than later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Experian is reporting unknown inquiry information from dates XX/XX/2018 - XX/XX/2018 that I didn't legally authorize. They're illegally allowing companies to run my credit without approval. 

This information is negatively affecting my credit score, and I would like it removed ASAP.

Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.
Product: Vehicle loan or lease

I purchased a vehicle from Carolina Finance in XXXX. Voluntarily surrender the Vehicle XXXX due to financial difficulties. My rep was XXXX. He agreed that I voluntarily surrender the vehicle which I did. 
He advised me the car would be auction off. the acct charge amt on my credit report is XXXX written off XXXX past due as of XXXX XXXX still reporting on my credit report. 
I contacted Carolina Finance on XXXX XXXX XXXX I spoke to rep XXXX in the XXXX branch she advised me after researching that there is no information in regards to me having an acct. XXXX transferred me to the XXXX branch, where I spoke to XXXX. Per XXXX there in nothing on file in regards to an account for me. she stated she was pulling up one Account with the name XXXX but social security did not match. I explained i was on my credit report she could not give me any other way to proceed about how she can help get this off my report with refusal to write the bureaus for me. XXXX XXXX XXXX
Product: Debt collection

They call me once or twice a day from various different phone numbers with KY area codes/the same area code as my own number. It has been happening for weeks. They've also tried texting me repeatedly. I'm a full time XXXX XXXX and part time worker with XXXX  and various other XXXX XXXX XXXX. They call me over and over when I'm trying to focus and get my work done which is hard enough on its own just due to my XXXX  and other issues. It's really becoming an issue.
Product: Money transfer, virtual currency, or money service

Hello, Hope you are doing great, So PayPal closed my account recently for no reason and will not help me with getting it my funds and account back. I am not sure if this is some mistake as I assume it has to be. 
Their customer service representatives barely speak XXXX despite supposedly representing a multi-billion dollar company and have been unable to help me. I really hope this report will solve the issue as quickly as possible. 
In my point of view, I feel they are not doing their job properly and it is affecting my daily transactions as I used PayPal quite frequently. 
Here is the email of my PayPal : XXXX I hope once again, that this issue will be solved Have a good day, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Credit Bureau XXXX acct # 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: Payday loan, title loan, or personal loan

The Omni interest rate was extreme
Product: Consumer Loan

I purchased a vehicle and the sale contract apr rate is different from the loan company 's rate. The sale contract has the apr as 13.39 % and the loan statement shows 13.91 %.
Product: Credit reporting or other personal consumer reports

I sent out a request to this company for this account to be validated. I didnt get a response. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX