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

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Military Credit Services LLC for their persistent and inaccurate reporting of a loan account on my credit report. Below, I provide a detailed history of my complaint and the issues I have encountered : Loan Origination and Financial Hardship : In early XXXX, while XXXX in Washington as a member of the XXXX military, I took out a loan from Military Credit Services LLC.

Later that year, I faced significant financial hardship due to a divorce and subsequent XXXX preparations for XXXX. These circumstances prevented me from making payments on the loan. 
Lack of Proper Documentation : I have repeatedly requested a copy of the original loan contract from Military Credit Services LLC, but they have failed to provide it. Instead, they only sent a bill without any supporting documentation. 
Threats and Communication : In XXXX, the company contacted me with threats of legal action and garnishment of my account. Despite these threats, there was no follow-up, and I did not receive any further communication from them.

Inaccurate Credit Reporting : This account continues to appear on my credit report despite the cessation of payments and communication over eight years ago.

The company has been manipulating the account information by altering the date the account was opened and changing its status. Originally opened in early XXXX, they have falsely reported the account as being opened in XXXX. 
The status of the account is inaccurately reported as active and in collection, despite it being closed and with no recent activity.

Impact on Credit Score and Unfair Practices : The continuous and inaccurate reporting by Military Credit Services LLC is severely damaging my credit score. 
The actions of the company suggest a deliberate attempt to keep the account on my credit report to harm my financial standing.

Resolution Sought : I request the Consumer Financial Protection Bureau 's assistance in resolving this matter. Specifically, I seek the following : Immediate Removal : The removal of this inaccurate account from my credit report, given that the debt is no longer valid due to the passage of time and the lack of documentation provided by the creditor. 
Corrective Action Against Military Credit Services LLC : An investigation into the practices of Military Credit Services LLC to prevent them from manipulating account information and violating consumer rights. 
Confirmation of Resolution : Written confirmation from Military Credit Services LLC and the credit bureaus that the account has been removed from my credit report.

I appreciate your attention to this matter and look forward to your prompt assistance in ensuring that my rights as a consumer are protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 a Unauthorized inquiry was made to my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a business credit card with Chase ( it was a XXXX, then Chase converted it to a XXXX despite the company 's objections ). Several times a few years ago, Chase confirmed via its Secure Message Center that I am not personally liable for this account. Despite that, they are reporting negative information about that business account on my personal credit report. I've told Chase about this, but they will not have this information removed from my account. They should have a record of the messages ( I think they were from XX/XX/2015 ) in their file, so there is no reason why they should make these mistakes. It's dropped my credit score from well over 800 to being in the 600 's.
Product: Credit card or prepaid card

I have tried to get a replacement card from ICUL Service Corporation XXXX XXXX XXXX XXXX XXXX IL or XXXX XXXX XXXX XXXX Fl XXXX or XXXX & XXXX I have called several times. The representative stated my card will be mailed out. When I did not receive the card, I called again, the representative stated no card was mailed out. She stated she will send another, I'm still waiting. I do not understand what is going on or if the number I'm calling is fraudulent because it's the number provided on the statement. What kind of business is this? I have not moved, and all my information is the same. Where is the replacement card, that I have requested several times over 1 year now? Also, why I have to make several calls to this business and now put in a complaint in order to get service?
Product: Debt collection

The Medical Revenue Service failed to provide the notice required under 1006.34 for the validation of debts. Specifically, they did not provide the following validation information as required by the regulation : 1. Debt collector communication disclosure : The statement required by 1006.18 ( e ).

2. Information about consumer protections : - The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer notifies the debt collector in writing on or before that date that the debt, or any portion of the debt, is disputed, the debt collector must cease collection of the debt, or the disputed portion of the debt, until the debt collector sends the consumer either verification of the debt or a copy of a judgment.

3. Consumer-response information, which includes the following : - Dispute prompts : Statements that allow the consumer to dispute the debt for various reasons, including " This is not my debt, '' " The amount is wrong, '' and " Other ( please describe on reverse or attach additional information ). '' - Original-creditor information prompt : The statement, " I want you to send me the name and address of the original creditor. '' - Mailing addresses : Mailing addresses for both the consumer and the debt collector, as disclosed pursuant to 1006.34 ( c ) ( 2 ) ( i ) and ( ii ). 

The failure to provide this information is a violation of the regulation, and the Medical Revenue Service is obligated to provide this notice to ensure compliance with debt collection rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ask Experian multiple times to delete inquiries that are not mine. 

Was told they cant dispute inquiries that are account holding. 

I dont have any accounta with any of these creditors XXXX XXXX XXXX   You applied for a credit card in XX/XX/XXXX XXXX You applied for an auto loan in XX/XX/XXXX XXXX You applied for credit in XX/XX/XXXX XXXX XXXX You applied for credit in XX/XX/XXXX XXXX XXXX XXXX You applied for a credit card in XX/XX/XXXX XXXX You applied for credit in XX/XX/XXXX XXXX You applied for credit in XX/XX/XXXX XXXX, XXXX XXXX XXXX You applied for credit in XX/XX/XXXX XXXX You applied for credit in XX/XX/XXXX XXXX
Product: Debt collection

Essex Mortgage stated that they are a debt collector in their letter and by sending me documents that are false and misleading by mail and there is no contract. That is a violation pursuant to 15 USC 1692 e
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX remove the ftc violaitons
Product: Mortgage

My husband passed away on XX/XX/XXXX. For the next 11 years I paid my mortgage to Bank of America. Prior to his passing my husband filed a quit claim deed and a will so that there would be no problem with the mortgage. In XX/XX/XXXX I fell behind due to XXXX related hardships. Since XXXX, XXXX I have been attempting to get Bank of America to add me to the loan. I was told to send in a letter explaining I would like to be added to the loan, the deed, the will and a death certificate. Since XXXX I have sent these documents XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time a call was made to confirm receipt - we were told the documents were received and the loan was updated to show me as a borrower XX/XX/XXXX by XXXX ID XXXX, XX/XX/XXXX, XX/XX/XXXX by XXXX XXXX, XX/XX/XXXX. Each time the documents are sent I will be told they are there then the next time I call I'm told it is a different department and I need to send there. Today, XX/XX/XXXX I spoke to XXXX XXXX who told me that no documents were received and I had to start over and the documents can only be mailed to XXXX XXXX. When I asked why the departments do not share information or documents I was told they don't. When I asked to be transferred to the correct department she said she does not have the number. Also, I was told I had to " register '' the will. I went to my county 's website and tried to register it in Official Records and BOA called and told me I need to go through probate and hire a lawyer. I can not get a straight answer of what I need and everything I send in gets lost for over 10 months now.
Product: Money transfer, virtual currency, or money service

I was the victim of cyber criminals who scammed me out of almost {$220000.00}. I'm a XXXX  citizen, age XXXX, who was XXXX  last year and retired after XXXX XXXX for 57 years. In XXXX, XXXX, I met a woman online, and after a while I was induced by her to start trading in gold on what I believed was a legitimate trading platform, XXXX, which is licensed in XXXX. It turns out that I was steered to an illegal clone website that mirrored XXXX but was operated by the scammers. Over a two-month period between XXXX XXXX, I withdrew money from my XXXX XXXX XXXX investment accounts , transferred it to Discover Bank, and Discover wire-transferred the money primarily to XXXX XXXX  in XXXX, XXXX XXXX All of this was at the direction of the fraudulent XXXX platform. During this period, it appeared that my investment of {$140000.00} hah grown to almost {$540000.00}, a profit of over {$390000.00}. When I went to withdraw my money, I had to send an additional {$70000.00} to " pay '' capital gains taxes on my " profits ''. I did and when they then asked for an additional {$50000.00} I realized I was a scam victim. I have screenshots of all transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XX/XX/2022 @ XXXX XXXX  I received an email from XXXX XXXX XXXX XXXX regarding A Credit report alert stating that my credit score had decreased by XXXX points. 
On Friday! ! XXXX, I contacted XXXX XXXX XXXX XXXX XXXX which I have Savings and Checking accounts with and an auto loan. I was told by a XXXX associate that I should contact Trans Union Credit Bureau because that is where they received this information. I immediatly contacted them and spoke with a agent who reviewed my information and could give me no reason why my credit score had been lowered by XXXX points and advised me to request a free trans union credit report and purchase for XXXX cents my credit score. I did all of the above, reviewed my report and score and can not understand why my score was decreased by XXXX points. The report shows 4 positive factors and 4 negative aspects. 

Positive Aspects 1. Total of all balances on bankcard or revolving accounts is not too high 2. You have few or no accounts that were opened recently 3. There are no or only a few recent delinquencies on your accounts 4. The balances on your accounts are not too high compared to loan limits Negative Aspects 1. Lack of sufficient credit history on bankcard or revolving accounts 2. Balances on bankcard or revolving accounts too high compared to credit limits 3. Lack of sufficient relevant first mortgage account information 4. You have either very few loans or too many loans with recent delinquencies Looking at both of these aspects, Positive # 1 contradicts negative # 2 positive # 3 contradicts negative # 4 My mortgage is 2 years and 7 month old with the XXXX XXXX XXXX XXXX XXXX, always paid on time with a balance of {$260000.00} I have absolutely NO DELINQUENCIES I spoke to an Agent on Friday who could not or would not answer any question, when I asked to speak to a supervisor i was told i would receive a call back within 72 hours at XXXX XXXX  EST. I did not, I called back today and first spoke to XXXX who suggested that I open a new credit card, which may help, and I asked for someone who could answer my question and was transferred to XXXX, who was very nice but could not rectify the problem. 

I feel this is a scam to try to get me to subscribe to their credit protection service for {$24.00} a month or get me to apply for more credit cards.I would like my credit score returned to where it should be XXXX. Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX & XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. Has violated my Rights. XXXX XXXX. XXXX 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.
Product: Vehicle loan or lease

I opened the loan account with US Bank ( the lender ) in late XX/XX/XXXX. I set up auto-draft payments to be made on the first of the month from my XXXX bank account. The first payment due ( XX/XX/XXXX ) was never auto drafted. On XX/XX/XXXX I received a letter from the lender informing me that I had been reported to the credit bureaus because i had missed my first payment and it was now over 30 days past due. The day i received the letter I called the lender and ensured that payments were made in the past due amount and ensured that the account was both current and that auto-draft was set up and active. I never received a letter, a call, a text, or an email from the lender informing me that my payment was due, impending, tardy, or delinquent. The lender made absolutely XXXX attempt to contact me to collect payment prior to notifying the credit bureaus. Attempts to rectify with the lender have been unsuccessful. Attempts to dispute with the credit bureaus have been equally unsuccessful. This type of predatory lending allows lenders to negatively, deliberately, and maliciously impact the credit scores of consumers, thus allowing them to charge higher interest rates, and thus making them more money.
Product: Checking or savings account

Google and their Google App Store illegally accessed my new debit card information that I have not personally updated with me. I had an old card number that was closed and I received a new card that I have never gave to google nor authorize them to have. Regardless of this somehow they accessed it without my permission and charged me for services that I was not trying to renew to begin with. 

I was also attempting to remove my card number from google but they won't allow me to do delete it unless I replace it with a new card. 

I attempted to call them but there is not a phone number that will allow me to talk to anybody. They also set up their system in a way where I can't get a refund either. 

This practices are predatory and should be illegal by all means. No service should access my debit card or my bank account information without my permission or deny me the ability to delete my financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$1400.00}, {$400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX FINANCE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Product: Debt collection

I was called by a local number XXXX with an automated message advising me my credit was in jeopardy and to call XXXX. I know most of these types of calls are scams so I was a bit skeptical when calling the XXXX number, located in Georgia. 

Once i got on the phone with a representative, she advised that it was not her responsibility to refresh my memory about a debt. I then asked if she could please send me some type of documentation. She advised if I requested documentation, she would mark me as a refusal to pay and it would hit my credit report, and then the main company " XXXX '' would have to contact me and work out a payment. I advised her that I never refused to pay, that I was only trying to confirm this wasn't a scam. 

At this point we are arguing back and forth so I asked her to please pass me to her supervisor. She stated, " You only want to speak to a supervisor because you don't like what I'm telling you ''. I advised that she was incorrect and that I am also certified in FCRA and that I no longer wanted to speak with her. She advised she would place my call on hold indefinitely and mark my case as a " refusal '' and it would hit my credit. 

I then hang up and called back. Everytime I called back someone would pick up the phone and say " please hold ''. 

I changed numbers and called from my office phone and reached a lady that stated she was a supervisor. I advised the situation and she stated she would work directly with me. 

Please investigate this predatory practice.
Product: Mortgage

Called on XX/XX/XXXX at around XXXXXXXX XXXX XXXX - {$XXXX} charged to my account- I inquired with Bank Of America what the " Other Advances Fee '' is because there are no details about what this fee is for. It was explained to me by Bank Of America that part of this fee was due to Bank Of America visting my house to verify that me and my family were still living in our house during our hardship. Both me and my wife were unemployed in XXXX of XXXX and spoke with XXXX XXXX what programs if any are available to help us during this hardship. When speaking to Bank Of America there was no mention about these anciliary fees. Additionally we were reported negatively in XX/XX/XXXX while in this program. I requested to waive this fee as well as assist with the negative reporting to the XXXX XXXX 's since we were in contact with Bank Of America about our situation. There was no communication during any of our calls that we would be charged extra fees for entering into a program with them. I was also unaware that we would be reported negatively since we spoke to Bank of American as long as we were in their hardship program.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX SS XXXX I was a victim of fraud a few years ago and someone was using my name. I have been working to get this issue resolved for over a year now. I do not live in XXXX OHIO. Please remove any and all OHIOaddresses from my credit report. I never opened accounts with the following companies XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX. PLEASE DELETE THESE FRAUDULENT ACCOUNTS AT ONCE. PLEASE REMOVE THE FOLLOWING ADDRESSES XXXX  XXXX XXXX XXXX OHXXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX TX XXXX, I NO LONGER LIVE IN OHIO. THANK YOU FOR YOUR TIME AND CONCERN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went out of the country in XX/XX/2018 and told my ex business partner to make the payment on my chase card. He didnt do it despite having sufficient funds that I provided him to do so. I paid the card as soon as I found out which was before the 30 day deadline. It still ended up showing on my report. I called chase and told them this was incorrect and that they would remove this 4 months ago which they still havent yet. In addition to this, chase has been reporting every payment that I made since this date late even though I have not had ANY late payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX keeps reporting the incorrect balance on my account adding and removing comments to my report as a result my score has suffered a XXXX point decrease. My account was brought current in XXXX my past due balances were paid to a XXXX balance and i have not had a late payment since. So why is my balance increasing? I also requested documents by mail and have not received any proof of account transactions, when i log in online i do not even have access to my balances or payment history. i called today because their business hours states weekends XXXX and they are not taking calls.i have tried to rectify this multiple times with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reporting fraudulent hard inquiries 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 XXXXXX/XX/XXXX These need to be removed
Product: Debt collection

Law off of Mitchell D Bluhm XXXX XXXX XXXX XXXX, XXXX TX XXXX called and stated I owed a medical debt and tried to obtain my personal information. They stated it was for a stay at XXXX XXXX Hospital, though I never had a stay at XXXX XXXX Hospital. I asked that they Validate the Debt and send something in the mail regarding the debt. They did not do that. I sent a certified letter requesting the debt validation, which I have not received at this time. However, They posted a negative debt collection on my credit report. Several attempt to call the company and I have gotten only a voice mail and not return calls. They claimed the debt is from 4 years ago. I have never once gotten a call about this debt until I got the call from this XXXX Law office. When I looked them up on the maps they are in a a warehouse. Upon calling the police department there they said there are no law office there. Just transportation.