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

This problem originates with Equifax. I have been locked out of my account for close to a year. Yet they have no trouble taking XXXX out of my account every month on the XXXX. They refuse to believe I am who I am because after asking me all of the ID questions they start asking me questions about my credit report from years past which I can not possibly answer. I am still locked out and they still take money out of my account.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE It is XXXX to acknowledge that I did not authorize these accounts, and their presence is causing me significant XXXX I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention and resolution of this issue are highly appreciated.
Product: Payday loan

I received a a loan from Check N Go on XXXX/XXXX/2015 for {$250.00} and a loan on XXXX/XXXX/2015. The XXXX/XXXX/2015 I think I applied for but the loan on XXXX/XXXX/2015 I don ; t remember asking for and if I did the loan from XXXX/XXXX/2015 was outstanding, therefore why did they grant the XXXX loan if the XXXX had not been paid. On XXXX/XXXX/15 Check N Go deducted XXXX payment from my account of {$150.00} each. On XXXX/XXXX/2015 the loan company deducted {$310.00} from my account. When I checked my account I realized that It was a check created without my knowledge and my account had been charged @ {$200.00} for NSF. My bank is XXXX XXXX XXXX, located in XXXX XXXX, California. The loan company states that they called me at least XXXX times and called me place of employment @ XXXX times and I do n't remember any calls, and definitely did not hear from my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I entered into a contract with XXXX  XXXX out of XXXX, SC I immediately started having problems with them and I appealed to both attorney generals of s.c. and georgia Neither of whom could help me, then they started changing my mortgage around to mortgage companies they owned specifically XXXX XXXX and XXXX XXXX. I entered into a loss mitigation contract with them last winter and they are now threatening to start foreclosure although I have kept up the payments. They, in XXXX of XXXX made a notation on my credit report that they had signed the property over to me then after a complaint to the credit bureau they took it of my credit repoort although it was given to me in a bankruptcy, withut a deed to file it what can I do? I also have heard that they are planning on selling this property and several others to XXXX XXXX Isn't this a violation of the bankruptcy regulations and how could the credit bureau tell me they are talking to XXXX when XXXX XXXX put the notation on my credit report, which has now been removed and and I want to know WHY??? HOW?? 
Haave I no protection here? Now they are threatening eviction if I don't pay more by XXXX and we just heard farom XXXX today for the first time ... .They have flimsy contracts and ow they are threatening to cancel my loss mitigation with no reason and startbeviction check out my credit report I think it was Experian in early XXXX, though it might have ben XXXX.. I have complained to BANKING AND FINANCE AND SENT THEM A BIG PACKAGE with pictures and everything
Product: Credit reporting or other personal consumer reports

no knowledge of this company XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a dispute about my credit report and the incorrect items on my credit report. Its been over 30 days since I contacted them, and have not received any investigation results back yet, so hence this complaint. Below are the accounts I have problems with, please review and help me out with this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was removed but added back to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Police Report Hello as of XX/XX/2021 I've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. These accounts are fraudulent and I would like to report this incident. I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. This incident happened XXXX at my previous home. My truck was parked at when it was broken into. To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 

PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY ENHANCED RECOVERY Account No. XXXX SYNBC/PPC Amount {$750.00} XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask Equifax, XXXX and XXXX XXXX to investigate medical collections I  have on my credit report. I haven't been to the hospital since youth and someone has compromised my identity to get medical assistance. The accounts are XXXX {$220.00} opened on XX/XX/XXXX and XXXX XXXX  for {$270.00} which are 2 separate collects which I think are duplicates, open on XX/XX/XXXX and XX/XX/XXXX. I need these accounts removed from my reports immediately as I am trying to purchase a home an this is hindering me from doing so.
Product: Debt collection

I had to make an emergency move back to XXXX  and as I was turning in my keys the manager assured me they would be in contact with any balance that I owed after I left. They never called, emailed, nor sent anything in the mail to the forwarding address that I gave them. I attempted to contact the original creditor ( Hickory Point Apartments in XXXX, TN ) multiple times through phone calls and emails (XX/XX/XXXX ) with NO response. In XX/XX/XXXX, I learned of this collection on my credit report without my knowledge nor attempt to collect. Despite my attempts to work something out with the original creditor, they placed this account with an attorney ( Jennifer McCoy ) for collection inXX/XX/XXXX ( even while I was trying to contact someone but they were ignoring me XXXX! They never attempted to work something out in any way! Just sent it straight to collections! I sent three certified letters XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX requesting validation of this debt. I received no response for the XXXX and XXXX letters. I did receive an attempt to collect letter in XX/XX/XXXX, which was NOT a response to my XXXX letter and did NOT validate. The XXXX letter I received was a FAILED attempt to validate. It did NOT provide ALL that I requested NOR clear evidence bearing my personal signature accepting ownership of the debt and the exact amount alleging owed. I've now sent a fourth letter ( XX/XX/XXXX ) requesting deletion for failure to validate and have yet to receive a response or deletion on my credit report from this final letter.
Product: Consumer Loan

Toyota Financial Services reported incorrectly information to the Credit Bureaus for a late payment done on XX/XX/XXXX. This late payment was not reported until I protested another late payment done in XX/XX/XXXX. I feel that TOYOTA FS was dishonest in reporting to the Credit Bureaus correct information and I never received any notice or call regarding making a late payment either. When I protested on the BBB in XXXX, XXXX admitted that they had done a mistake/error and should have reported this late payment. I was never informed that they had made this report or late marker. Therefore I feel that TFS is acting in a dishonest illegal way due to not informing the bureaus and then backtracking themselves and not informing me. I believed that payments could be done until the XX/XX/XXXX without penalties. 
On another note, I payed my monthly payment on XX/XX/XXXX due to the fact that previously I had payed up the XX/XX/XXXX th before getting a XXXX day late payment marker. I also called TOYOTA on the XXXX letting them know that I was sending a check for the complete payment on the XX/XX/XXXX since I had refinanced my mortgage to pay off my account with TFS. I was never told that a late payment marker was being applied that day due to lack of payment.
Product: Mortgage

My mortgage company ( US Bank Home Mortgage ) is telling me that I still have 38 years left in my mortgage that was signed back in 2003. I dispute that and I am absolutely sure that I did not and would never sign a mortgage for more than a 30 year term. 
I have contacted them multiple times - phone call, email, and registered mail for any mortgage statements they have with my signature agreeing to such a loan. They have failed to respond. Meanwhile they are about to foreclose on my house.
Product: Credit card or prepaid card

I opened a citi premier card in XX/XX/2022. I wanted to use it while I am traveling abroad in XXXX to get the new member welcome bonus. I gave the travel notification and big purchase amount notification. However, my card got locked everytime I made a purchase XXXX XXXX i need to call citi again and again to lift my account using all possible ways ( my phone number, my security word other than the password, my payment history ). I called them 10 times in a week. But the card get locked again and again. Finally, they said they must mail me a letter ( which takes 4-7 business day ) in order for me to lift my account. I am going to travel soon and can't receive the letter but they said they have no ways to help me to either lift the account or extend bonus spending deadline, until I receive the letter. This whole experience ( get locked every time I made reasonable purchase, had to call 10 times, and had to wait for a mail to deliver in 1-2week ) is awful for a credit card. I would not recommend Citi to anyone if their fraud department continues to work like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I notified XXXX  of an invalid account on my credit credit report. Under federal laws and FCRA guidelines section 609 I  requested that the account under the name Hunter Warfield Inc be investigated for verification/validation. It has now surpassed the 30 day investigation period in which XXXX  was suppose to verify/validate the above mentioned account
Product: Credit card

I have consistently made on-time payments, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or else they will owe me {$1000.00} for each account reporting inaccurately.
Product: Debt collection

Attempting to collect a debt that I do not owe. Threatening with legal action by representing themselves as process servers trying to serve me.
Product: Debt collection

Portfolio Recovery did not send me a signed contract to prove my signature and validate this debt as my attorney advised me. The credit bureaus also did not provide legal evidence of a contract. Portfolio recovery is also falsely submitting that this was opened on XX/XX/year> which is falsely making creditors think this started XX/XX/year>. Which is considered re-aging the debt. Portfolio Recovery has been sued successfully for these tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX formerly XXXX XXXX has furnished fraudulent information to consumer report by way of using false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. XXXX violates 809 Validation of debts, XXXX violates 812 Furnishing certain deceptive forms, XXXX violates 807 False or misleading representations. XXXX HAS BEEN FURNISHING INACCURATE AND INCOMPLETE INFORMATION TO MY CONSUMER CREDIT REPORT FOR THE PAST TEN ( 10 ) MONTHS. I AM DEMANDING THE REMOVAL OF ALL NEGATIVE INFORMATION AND REMARKS REPORTED FOR THIS ACCOUNT, INCLUDING LATE PAYMENT CLAIM, ACCOUNT STATUS, AND ACCOUNT HISTORY TO CONSUMER CREDIT REPORT AS WELL AS THIS ACCOUNT CLOSED and or Charged OFF. I am aware that FCRA doesn't not require creditors to report negative information & such should not be disclosed to any non affiliated third party without consumers lawful consent.This is a violation of 15 USC 1681S-2 ( 7 ) ( E ). The information displayed is not Fair and equitable to consumer. I have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, the consumer holds the right to validate and verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report I'm requesting a 1099-c from the following charged off accounts listed below Oportun/Prog XXXX after checking my most current report the information stated the acct was purchased by XXXX XXXX XXXX XXXX XXXX this acct can not be reported as a charge off on my credit report if the acct was sold to another lender please send the 1099-c form
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. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or the 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other 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

On XX/XX/2022, I spoke with a representative at American Honda Finance regarding a late payment due to being out of work for COVID. The representative assured me that the late payment would be removed due to COVID relief. I followed up with the company many times and was denied access to speak with a manager and also denied a copy of the recorded phone call that proves my statement. 

I have disputed this payment with the credit bureaus and with XXXX with no success. I want the retrieval of the recorded phone call for evidence what the representative assured me. It is sad that a company will give consumers false hope of something so important especially during a pandemic.
Product: Credit card

I have a rewards card with XXXX XXXXChase that I am charged XXXX XXXX  yearly fee for the benefits. The purpose of getting this card & paying the fee was the benefit is an upgrade from Gold to Platinum at all Marriott properties after charging XXXX a year. Since XXXX I do not travel as much so this was something worthwhile. I charged XXXX last year & expected my level to be Platinum for the year XXXX  as laid out in the program. That higher level also came with more points for all charges XXXX XXXX XXXX  more points per stay & for all charges at Marriotts vs XXXX XXXX ). Along with many other benefits that are much more valuable & save a lot of money when you stay or spend at Marriott properties.

I had a few stays this year & when I expected to be treated & rewarded at the Platinum level & realized I was not I contacted XXXXMarriott who pointed me back to Chase & Chase has insisted it is on Marriott. I have not gotten resolution from Chase.

We are 6 months into the year & still I am Gold & I have charged over XXXX this year already & did that to get this benefit that I still don't have. I expect I am not the only one. 

I have called Marriott multiple times & they insist it is on Chase. I have called & spoken to Chase & they recognize that I met the XXXX threshold for this calendar year & now next year but can not tell me why I did not get this benefit & therefore have paid more for upgrades during my Marriott stays & lost many XXXX of points that my family & I use for our travel. The point of paying the yearly fee & using this specific card. 

I am sure I am not the only one, as this is obviously a glitch in their software that they are aware of & do not seem to care & obviously they are making money from not giving this benefit or fixing. 

Hoping you can help solve this & hopefully charge them for dropping the ball & help me straighten out this fraud
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 XXXX XXXX Date of Inquiry XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting unverified derogatory tradelines on my credit report.
Product: Mortgage

In XXXX fay servicing acquired my mortgage. On XX/XX/XXXX I paid off mortgage. I called fay servicing to make sure wire transfer had been received it had. Iwas told that I could check with county deeds after 7 days then XXXX and then 45 days. On XX/XX/XXXX I spoke with a man named XXXX he placed me on hold then informed me the mistake had been on their end give them 3to 5 business days the situation would be resolved, it wasn't .on XXXX I 1st spoke with a woman who placed me on hold so that i could speak with supervisor then line went dead. Next i talked with XXXX XXXX who took my email, gave me his email and direct phone line, he informed me to call him by XXXX XXXX  if I did not hear from him 1st. XXXX XXXX  no answer on phone no reply to email. I spoke with a total of 4 people what I learned was customer service is in IL lien release is in Tx customer service has no direct line to anyone outside their dept so they can only tell you what is in comments on your screen. XXXX talked to 2 different people who said this had been given to vp of their dept.and that's really as far as I could take it. The last one was a lady who introduced a new number 90 days. I live in TN. This state has a statute of 30 days or company incurs fine. What I don't understand is the misleading information that makes you think you are making headway when your just getting runaround I just want to know has lien release been sent to county if so how and when if not when might this take place I just want to conclude business transaction. I was never late with payments and paid off mortgage 8 years early.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the following accounts and inquiries were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your prompt action to remove this information : Fraudulent Accounts : STATE FARM BANK - XXXX - XXXX - {$0.00} XXXX - XXXX - XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXX - XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX  - XXXX - XXXX - {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ONEMAIN - XXXX XXXX XXXX XXXX - XXXX XXXX CARD - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Equifax Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance {$36000.00}