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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please see all highlight activity which is considered to be wrong activity. 
Please see attached all backup information : Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of closed accounts on my credit report that are reporting twice on my credit report. Credit Agencys such as credit XXXX and XXXX showing inaccurate information on my Equifax account. This information needs to be addressed and removed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that were removed and put back on my credit report and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance
Product: Credit reporting or other personal consumer reports

Equifax refused to remove a debt on the site. XXXX XXXX XXXX  have sent Equifax a letter telling them withdraw their information from my credit report. They have submitted it XXXX times and Equifax will not remove it. I have sent them proof that they asked them to remove it. They should they still have not removed it.
Product: Debt collection

Account opened on XX/XX/2021 for {$470.00}. I reached out and to American Eagle [ Synchrony Bank ] about an account opened in my name. I never applied for this credit card. This a fraudulent account. 

In Accordance with fair credit reporting Synchrony Bank has violated my rights.

1. 15 U.S. Code 1681 Section 602A States : I have a right to privacy.

2. 15 U.S. Code 1681 Section 602A States : A consumer reporting agency can not furnish a account without written instruction
Product: Debt collection

Frequent and repeated calls, sometimes after XXXX XXXX and before XXXX XXXX, several times during weekend using fake numbers that appear local that when called back arent real numbers. Several times a day sometimes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I called Citibank and I explained to the customer service agent that Id had a death in my family and I was requesting Covid 19 payment assistance for both of my Citibank credit card accounts, I also made payments via telephone on that same day but explained that I was seeking additional help until I could better stabilize my finances. They charged me a {$73.00} payment deferment fee which I didnt realize they were going to do. I dont understand why theyre offering Covid 19 payment assistance and then charge a fee to do it. Regardless, I did make some payments in XXXX and several payments in XXXX. They are reporting to the credit bureaus late payments in XXXX and that is not true.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from this account. Block and remove it. 
DISCOVERBANK XXXX XXXX : {$0.00}
Product: Bank account or service

I opened an HSA account with my employer beginning in XX/XX/XXXX through HSA Bank ( a division of Webster Bank ). It was free as long as I kept my insurance plan with my employer. I ended up leaving my employer XX/XX/XXXX. However, I kept my insurance plan through COBRA. I believe the computer realized I left the company and began charging me a {$5.00} monthly fee. I was charged for three consecutive months. But then, it appears, HSA Bank received notification I was still on the company 's insurance plan. So, the fees stopped. The XXXX {$5.00} fees were charged in error. I have called HSA Bank three times to get the fees reversed. At first, I was promised they would be taken care of. On the third call, I was told they were charged by a third-party called XXXX, and that I would have to contact them. I also called them. They said they would resolve my fee complaint, but it was never handled. I then reached out to HSA Bank again via email and they still did not correct the fee error. It has now been more than 15 days with four phone calls and two emails with no resolution over {$16.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bank declined on my requesting of mortgage loan and credit card, because that Equifax has a wrong social security number associated with me. I keep trying to fix this for months. The bureau is not able to fix my issue. Their representatives saying that they are not able to access my file. No matter I called, mailed, emailed. I contacted Equifax for many many times. Please help to fix my identity record at Equifax.
Product: Debt collection

XX/XX/XXXX - I obtained a FICO XXXX  credit report. On this credit report, XXXX XXXX XXXX lists a debt in collections for the amount of {$610.00}. They claim that the original creditor is XXXX XXXX and that the debt was assigned to XXXX XXXX XXXX on XXXX XXXX, XXXX. They list an account # of xxxxxxxxxxXXXX. I have never had an account with XXXX XXXX and didn't know what to do. 

On this same day I met with a financial professional provided by the Department of Defense to assist servicemembers with their finances. This financial professional called the fraud department at XXXX XXXX with me. The fraud department searched for any unpaid debt under both my name and social security number and found no evidence that I have ever had an account with XXXX XXXX. Since there is no record that I have ever had an account with XXXX XXXX, I do not owe them any money.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged Identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to removed/block any accounts not later than 4 business days after the date of the previous letter. Ive already included this report in my previous letter & I am including them again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have attempted to register as well as determined the balance of the card. When using both the website and calling automated as well as speak with XXXX about how the XXXX and XXXX code is not received no options for {$50.00} to be register or reviewed. XXXX at XXXX states she cant help me with the XXXX code provided on the back nor can anyone else. No where to have someone see the code is stated on the back side.
Product: Credit card or prepaid card

When disputing two online purchases, on my business preferred ink credit card, which were never received, the Chase dispute department mishandled the case and did not hold the merchant accountable in providing documentations. 

Both transactions were for the amount of {$2500.00} totaling {$5100.00}. 

The first transaction was processed on XX/XX/XXXX for a half deposit of {$2500.00} for the purchased goods, and the second transaction of another {$2500.00} was processed on XX/XX/XXXX for the remaining order. After making the payments, I was charged a 3 % processing fee by the payment processor. 

I never heard back from the company after the payment was made and never received my purchased goods. 

After disputing the fraudulent transaction with Chase, they denied a fair case as they did not request any information from the merchant. They declined my dispute and did not uphold their purchase protection program on their business preferred ink credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX, XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  month XXXX  days 3 FCRA violations : inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry po box XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Checking or savings account

I was in a motorcycle XXXX in 2019 XX/XX/XXXX. I lost all my cards and identity so after waking up from a coma i have gotten reports that fraud activity been identified on XX/XX/2019 that wasnt me because i was in the hospital. On the other i contacted my bank and told them it wasnt my transition No amount was taking but my account was closed and i cant reopen my account or open an account. Also with my chase someone took a XXXX dollars out my account. I reported identity theft and try to call each bank to resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX The company above indicates that I have an account with them on my XXXX XXXX Report and I did not open this account .... I am from Michigan and would not or ever have been in Delaware to open this account.. It has harmed my credit score buy dropping several points. It has been reported to XXXX XXXX yet it is still on my credit score ... THIS IS NOT MY ACCOUNT and IDID NOT OPEN THIS ACCOUNT.. I have r=tried to contact Equifax to dispute this account and their web page will not allow me to complete the dispute form online ... ... Apparently Equifax is supplying the misinformation to XXXX XXXX that is affecting my credit score negatively ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Number : XXXX Date Generated : XX/XX/2019 Our reinvestigation of the dispute ( s ) and/or other request ( s ) you recently submitted is now complete. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary.
Product: Debt collection

On XX/XX/XXXX IC System wrote a letter to my late father concerning an alleged debt from XXXX XXXX. This allegation had no merit, and in any event XXXX is permanently barred from any collection against the estate as a matter of Texas probate law. On XX/XX/XXXX I wrote to IC System informing them that their allegation of a debt was fraudulent, and invoked the estate 's right under the Fair Debt Collection Practices act to prohibit all further communication and demand verification of the debt. 

On XX/XX/XXXX IC System wrote another letter in WILLING, KNOWING, AND DELIBERATE VIOLATION OF 15 USC 1692c, 15 USC 1692e, and 15 USC 1692g.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022. Its been well over 30 days and still have not received anything back from XXXX and Experian. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how Is that possible if the open date IS inaccurate, the date last active is inaccurate, and date last reported is not accurate. The account is still open and in collections.

This ground for removal they also violated my rights under 15U.S.C 1681 section 602 A. States have the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I have a store credit card from childrens place I have had for years I rarely use so I usually have a XXXX balance. So knew something was wrong when I got mail from them last week. With two charges, on XX/XX/22 Purchase for XXXX and on XX/XX/22 a purchase for XXXX. 
I immediately called childrens place and they transferred me to comenity bank, they claim they will do an investigation and send me something in the mail. I havent received anything from them. Then I checked complaints online, apparently Im not the only account that has gotten charged without my knowledge. And I waited for an hour just to speak to someone on the phone I have called 3 times. They cant tell me where my card was used or what was bought.
Product: Vehicle loan or lease

I XXXX XXXX was a victim of pressured sales tactics by a salesperson, I was promised that my personal information would be private and not exposed to the public at signing in XXXX Ohio at the XXXX XXXX car dealer, in desperate need for a vehicle to save my job I signed in XXXX later for the vehicle to break down for a damaged engine in XXXX causing me to lose my job. Afterwards harassed consistently by Credit Acceptance lender for Payment. I reviewed my credit just to also find that my rights have been violated According to the Fair Credit reporting Act 15 USC-1681 b section 602 A Which state, I have a right to privacy. I was very embarrassed and humiliated getting my Credit pulled by other resources. I also was violated according to Act 15 USC-1681 A section 604 A section 2 which also states a consumer reporting agency can not furnish an account without my written instructions. I wasn't aware of any Discrepancies with Credit Acceptance with other Borrowers throughout the nation. I was never informed by the dealer for other options, I too will also have to seek for legal actions concerning Credit Acceptance in the Unlawful practice between the dealer and lender. Please help!
Product: Credit reporting or other personal consumer reports

There are a lot of creditors on my report. They have reported inaccurate information. The accounts are not mine.
Product: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Located a loan from XXXX on my credit file that was not instituted by me. Contacted them directly by phone. They refused to acknowledge fraud and my FTC report and documentation of fraud. After receiving the loan contract when requested, I submitted a certified letter to them requesting the account be arbitrated per the contract. This was received and signed by them on XX/XX/XXXX by the authorized agent. I contacted them again on XX/XX/XXXX to ask the status of the arbitration and management hung up and on a re call they refused to take the call when a manager was requested.
Product: Credit reporting or other personal consumer reports

I had to call and find out what was going on with my dispute, and I was told my dispute was received but my SSN was invalid and my ID was not clear, which was not true, so I resending the say information that you said was invalid or not a clear photo ID.
Product: Mortgage

Submitted a short sale package to Loan Care via Fax XXXX & email at XXXX on 3 occasion since XX/XX/2016 with confirmation transmittal received. I have follow up on several occasions only to be told that they did not received it and asked that I send again. When I call to follow up and I give the confirmation number, they hung up and not the system. Its been over a month trying to get the right caring person on the phone. Final after an hour of hang ups, I was able to reach XXXX, Agent ID XXXX, and he was able to verify that I had called and also requested an expedite on this HAFA short sale, and that XXXX did received my " FULL '' short sale package and he was not sure why no one entered it into the system to be assigned. XXXX not a good company and should not be servicing loans ... and they needs to be accountable just as the likes of XXXX, XXXX and others. I need you help in getting the lender to do its job and would like them to expedite this short sale since they dropped the ball. Customer Service in Loss Mitigation is no-existent. Please help ...
Product: Vehicle loan or lease

We purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX with financing thru Consumer Portfolio Services. In XX/XX/XXXX the vehicle was in an accident an deemed a total loss. At the time of the loss the account was current, with no late fees or charges on the account that needed to be paid. At that time we had two gap insurance policies. One with XXXX XXXX XXXX which was part of our contract when we purchased the vehicle and another thru our auto insurance at the time. Gap insurance paid our balance that was due through multiple disbursements. Consumer Portfolio Services received payment from XXXX XXXX XXXX and the gap coverage through our auto insurance. After reviewing statements from CPS, XXXX and XXXX ( our insurance at the time ) we discovered what appears to be fraudulent activity in order for CPS to collect more money than what they were entitled to. It appears to still be the case. They have gone as far as reporting information to the credit bureaus stating that we owe them money, altering payment history, late fees, and other charges to make it seem as if we owed money at the time of time loss. They are still collecting money from Gap insurance payments thru XXXX as of XX/XX/XXXX and still say we owe. XXXX has informed them to waive a total of {$3300.00}. They refuse to update the credit with a paid XXXX balance, with no late payments as of the date of loss.
Product: Credit reporting or other personal consumer reports

Inquiry from XXXX on XX/XX/2023. I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all of the companies below and they have no record of me inquiring for any of these. I have also reached out to the fraud department at Equifax and they have yet to do anything with them this was done more than 45 days ago. These are all fraudulent inquires. None were authorized. 

XXXX XXXX  XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea who this is or even how to contact and can not find away to dispute this because it is not on my credit report! I have been trying hard to correct and get my credit on track and this shows up! 

Alert Date : XX/XX/2019 Source : XXXX Company : Firstpoint Coll.Resources Inc.

Activity : Unpaid Balance : {$400.00} I have not even seen this in the mail? 

Please help!
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this formal dispute to bring attention to multiple inaccuracies and inconsistencies in the reporting of Account # XXXX by TransUnion XXXX XXXX, and XXXX XXXX These errors directly violate the Fair Credit Reporting Act ( FCRA ) standards for accurate and verifiable credit reporting. 

Details of the Disputed Account Creditor Type : XXXX XXXX XXXX XXXX XXXXXXXX High Balance : {$1200.00} Account Status : Closed and classified as Derogatory Balance Owed : {$0.00} Specific Reporting Errors and Inconsistencies Contradictory Dates of Last Activity : TransUnion lists the last activity as XX/XX/year>, XXXX lists it as XX/XX/year>, and XXXX lists it as XX/XX/year>. This lack of uniformity indicates unreliable and unverifiable data. 

Irregular Payment Histories : XXXX shows the account as current until XX/XX/year>, then lists a sudden shift to 30, 60, 90, and 120 days late, culminating in a charge-off by XX/XX/year>. However, XXXX and TransUnion fail to provide a comparable payment history. This discrepancy calls into question the accuracy of the reporting across agencies. 

Inconsistent Creditor Remarks : TransUnion remarks state " Charged off as bad debt, '' while XXXX and XXXX indicate " Purchased by another lender. '' These remarks can not coexist and raise doubts about the account 's true status. 

Zero Credit Limit and Past Due Amounts : The credit limit is listed as {$0.00} across all three reports, yet a high balance of {$1200.00} is reflected. This mismatch undermines the validity of the information. 

Violations of the Fair Credit Reporting Act ( FCRA ) Under 611 of the FCRA, information included on consumer credit reports must be accurate and verifiable. The inconsistencies detailed above demonstrate a clear failure to meet these legal standards.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to DEPTEDXXXX XXXX. This payment was made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or DEPTEDXXXX customer service representative.
Product: Debt collection

I had the same company for my business for over XXXX yrs never late on payments I guess at some point when I was having a problem with their product they solved the problem over the phone after a few months the fix that they came up with still wasn't working so I decided to go with another company after I canceled they informed me that when they fixed my problem over the phone that I was agreeing to a new 3 year contract. I guess somewhere in the fine print that I agreed to over the phone stated the new contract but I feel that such a thing as a contract should be explained and you should know exactly what you are signing. In the end I spoke to the as all of the charges they want me to pay are early termination fees I feel as though I was roped into this contract
Product: Money transfer, virtual currency, or money service

Coinbase locked my account a year ago and still has not responded to me or opened my account. I contacted cfpb and others and still nothing. They told cfpb that they were working on it. They were not. I had over {$600.00} and really need that money. I am XXXX and on a fixed income. Please help.