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

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I am off work on medical leave with no pay due to XXXX XXXX XXXX and have been off for three months with XXXX income and don't know when or if I will be able to return. I have XXXX savings and no money. Yet Synchrony Bank Care Credit and Synchrony Bank Home and XXXX XXXX credit card companies have continued to CALL AND SEND REPEATED ROBO COLLECTION CALLS TO MY PHONE DAILY EVEN AFTER I TOLD THEM THREE TIMES AND ALSO HAD A LAWYER TELL THEM THREE TIMES TO 'CEASE AND DESIST!!!!! I also NEVER gave them my authorization to contact me by phone or email at all and specifically said they could only contact me by mail prior to that yet they have done the opposite!!!!! They are breaking every FDCPA law ever written, make them Stop NOW!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late sending my payemnts to ..I wonder why Equifax report it as late when in fact payments were sent before the due date..They wont give me concrete reason as to why they wont fix this..CFPB please step up and fix XXXX  XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX , XXXX  XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I mailed ProCollect Inc. a dispute letter asking for them to either provide copies of original contracts/documents with my signature or to remove the charge from my report if they could not. 

Pro Collect never responded. 

On XX/XX/XXXX. I initiated a dispute with Pro Collect via the Texas XXXX XXXX, requesting the same request made on XX/XX/XXXX. 

On XX/XX/XXXX. Pro Collect responded to the BBB fraudulently indicating that the debt was mine. However, they never provided the documentation that I requested. 

I tried to dispute this collection directly with all XXXX credit bureaus, Once again ProCollect responded to them by verifying that the collection was valid. Yet they have not provided any proof that this debt belongs to me, On XX/XX/XXXX. I called Pro Collect. They indicated that they had mailed me the documents that I had requested. However. they wanted me to provide them with " additional '' confidential information to confirm my identity. When I told them I did not feel comfortable doing so, they abruptly hung up the phone. 

NOTE : I ALSO noticed that DURING my dispute, the amount of my collection was reduced from {$2700.00} to {$2700.00}. As if I had made a payment. It's my understanding that any payment would reset the " clock '' on how long they could have this fraudulent charge on my credit report. 

I would like to have them IMMEDIATELY remove this collection from my credit file.
Product: Credit reporting or other personal consumer reports

The following account was disputed with the bureaus directly. I supplied them with the payoff letter provided by the creditor once the account was paid off as agreed and they still refused to revise the inaccurate information. This account was paid in full via automated payments directly debited from my bank account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Marked as charge off when paid in full letter attached
Product: Vehicle loan or lease

FMC offers reward points. I called to obtain my total accumulated points and IF I could use these reward points to obtain the navigation map update. Cost of {$100.00} for 1 download. I was informed yes, but first I had to get my points under 1 account. This was my initial call on XXXX. 

Below is a breakdown of the calls I made regarding this issue. 

I called FMC Reward Center XX/XX/XXXX at XXXX. Call lasted 21 minutes 41 seconds. 
Called again Friday XX/XX/XXXX at XXXX. Call lasted 9 minutes 26 seconds. 
Called again Tuesday XX/XX/XXXX at XXXX and XXXX. Total calls lasted 34 minutes. 
Called again Friday XX/XX/XXXX at XXXX. Total call lasted 1 hour 21 minutes and 42 seconds. 

As I indicated, I was able on the initial call to get my reward points under one account. 
I asked if I could obtain the navigation map system updated and was informed to allow time to have account updated with all reward points on one account. That happened on XX/XX/XXXX. 

On Tuesday XX/XX/XXXX I was informed that I was authorized and approved to obtain the update to the navigation maps. I was forwarded via text message on Tuesday XX/XX/XXXX at XXXXXXXX XXXX from phone number XXXX the instructions to update my navigation map system. 

On Friday XX/XX/XXXX I followed the instructions to update my navigation map system, however, I did not receive the confirmation message that my update was complete, so I then logged in to my FMC account online to see if I could see the update. Yes, I could the update pending, however, I received an error message. I called back in to the reward center to determine the status of my update. 

After calling in on XX/XX/XXXX, and being transferred 4-5 times, I was then informed that I was not able to obtain the navigation map update without first signing up for a subscription AND providing them a credit card number. I informed the CS representative that I was not interested in obtaining any subscription, but only the XXXX download of which I had already been approved for AND was never asked to provide my credit card number, or any sign up for a subscription. This was the first time I had heard of it through several phone calls to the reward center call center.
Product: Consumer Loan

Volkswagen scammed me with a diesel Wagon. I 'm sure you know the story. But then ... they purposely weighted the 'amount owed ' to them ( *because our LOAN was through VW Credit ) so that they would get a higher payoff than was due to them to offset their losses from the settlement payout. After they defrauded me, they then continued their scammy/spammy behavior with 'creative accounting. ' Because this happened when my loan was only about a year old, they counted very little of the approx {$8000.00} I 'd made in payments to PRINCIPAL ( *applied less than {$2000.00} ). So, in the end, although they 're paying a 'settlement ' it 's not like they 're actually taking any 'losses. '
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance has falsely reported that I was late on a payment in XXXX. I was told by the company that I have a 15day grace period in which I could make the payment without it being considered late. My payment of {$230.00} was sent in by XX/XX/XXXX when the payment is due on the XXXX of each month. I have the confirmation number for the transaction so I don't understand why they are reporting that I am late on payment for XXXX.
Product: Credit reporting or other personal consumer reports

I've had problems getting in contact with anyone at Equifax to get my online account working. This has been going on for years. You can't talk with anyone directly unless you answer security questions to verify your identity and I've done this multiple times ( answering the questions correctly ) but still can't get to anyone. They say to mail something but even when that is done my account is locked. 

I just want an agent to contact me and work thru this so I can do things with my credit service. I feel they intentionally many communication difficult or impossible so they do not need to work with consumers. I'd love to opt out and have all my info removed from there site since they are such a bad company. I DO NOT have this problem with XXXX since they actually provide customer service.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX XXXX our monthly mortgage payment was made by phone to the customer service department of HSBC. We were told that due to our account being in good standing we were eligible for refinancing. We were referred to the refinancing department and spoke to a refinancing personnel of HBSC by the name of XXXX, who completed with us the initial application for refinancing. We were then assigned to another of HBSC employee by the name of XXXX XXXX who took over the application process and told us that closing date would be sometime in XXXX XXXX, and that we should not make the XXXX XXXX XXXX mortgage payments as they were being included in the refinancing. He also told us that our first mortgage payment would be for XXXX XXXX. 
We received a call around XXXX from HSBC employee XXXX XXXX XXXX informing us that the closing date had to be changed to the first or second week of XXXX XXXX. Our insurance agent also received a call from HSBC employee XXXX XXXX XXXX, making request re paper work, pertaining to the refinancing of our home. HSBC through XXXX XXXX XXXX contacted us again by XXXX XXXX informing us of a final closing date of XXXX XXXX, XXXX. After that no further communication was received from HSBC. 
Numerous calls were made by us and messages left on XXXX XXXX 's HSBC extension voice mail and direct line ( XXXX ) XXXX - XXXX at HSBC. Our insurance agent also made several attempts to follow up with XXXX XXXX XXXX of HSBC refinancing department but to no avail. At this point we desperately tried to obtain information re our pending refinance closing and was able to obtained information through HSBC customer service that the mortgage payoff was given to XXXX XXXX in the refinancing department and that they were awaiting the closing. 
While waiting for the closing to our dismay, we received an intent to accelerate letter from HSBC dated XXXX/XXXX/XXXX which added stress to an already stressful situation. We at this point sacrificially made the XXXX Mortgage payment, believing that, HSBC would resolve the matter, which they did not. Verbal and written complaint was made to HSBC emphasizing that our financial hardship was brought on by the breach of contract by HSBC. 
It is hereby unbelievable that even in the light of the overwhelming evidence of breach of contract and fraudulent activities by HSBC, including but not limited to forgery, HSBC did not do the right thing of resolving the matter by completing the refinancing process. This, they themselves initiated which if done would not result in us being in foreclosure. 
We hereby seek your help in investigating this urgent matter. 
Contact number XXXX XXXX XXXX XXXX - XXXX email : XXXXXXXXXXXX Yours Truly, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am XXXX  this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a hard inquiry on my credit report. After reviewing my credit report, I noticed that the following hard inquiry is listed : [ XXXX XXXX XXXX XXXX ] Date of Inquiry : XXXX [ CITIBANK NA., BEST BUY ] Date of Inquiry : XXXX [ XXXX XXXX ] Date of Inquiry : XXXX [ XXXX XXXX ] Date of Inquiry : XXXX [ XXXX ] Date of Inquiry : XXXX I believe this inquiry was made in error or without my consent. I did not authorize this company to check my credit, and I am requesting the removal of this hard inquiry from my credit file. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or unauthorized information on my credit report. I respectfully request that you investigate this matter and remove the aforementioned inquiry. 
Please provide a written confirmation of the outcome of your investigation and any updates made to my credit report. 
Should you need any further information to process my dispute, feel free to contact me at the phone number or email address listed above. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On a recent review of my credit report I discovered XXXX XXXX issued late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. At the time I was living at : XXXX XXXX  XXXX XXXX, CA XXXX and the State of California issued mandatory stay at home orders starting XX/XX/XXXX and I was laid off from my job. These mandatory stay at home orders were in effect until XX/XX/XXXX and I never regained my previous position at my employer. I am seeking to have these late payments completely removed from my credit profile due to government mandated lockdowns and the loss of my job because of it. I will include my account number with XXXX  XXXX on the attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going to court against Experian. My lawyer XXXX XXXX XXXX in XXXX Texas will file the federal case. 

Experian continues to disregard my federal rights in several disputes/ complaints and lack of MOV in results where errors still persists after a supposed internal investigation. 

1. Experian shows a 7 year old account that is supposed to be off my report. They have also updated this account with inaccurate information. 
2. Experian continues to show errors on credit accounts and refuses to delete accounts after request and my federal legal right to have accounts removed. 
3. Experian fails to send MOV - method of validation on all requests I have sent 4. I have sent complaints to Illinois, Texas and Arizona states attorneys. I have been guided to seek damages against Experian in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this company a letter on XXXX/XXXX/2022 about a validation they have not responded within 30 days now I am looking to collect my {$1000.00} per violation under 15 USC 1692k
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act ( FCRA ) section 605B. It is illegal to report information on my credit report without my permission. 

XXXX / XXXX  XXXX XXXX, 2024 XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX  XX/XX/2024 XXXX  XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking for XXXX and Experian to follow suit. These accounts have been removed from my XXXX credit report as of XXXX and I would like for them to remove these accounts as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I would NOT have too be so stressed out and KEEP going through this if CFPB would DEMAND thise lying idiots to remove these XXXX accounts AT ONCE. But I see that's not happening. I am truly NOT understanding why I have to go through this. I have been through ENOUGH! I completely LOST EVERYTHING and i STILL have to fight to bring my credit report ACCURATE! That is my right as a consumer. To have my credit reporting 100 % accurate ..... 

I want everyone to witness the torture i am being put through. XXXX XXXX is the absolute XXXX. Only a few short days after i submitted the last complaint exposing the company XXXX XXXX XXXX ) of fraudulently and illegally altering details on my credit report and actively reporting on an account discharged in an bankruptcy. The original loan company went out of business AFTER I filed my bankruptcy and which was several years ago. XXXX XXXX never thought anyone would figure out the fraud reporting ring they have going on ...... But I did and will let the courts properly handle all the criminals. 

Days after my last CFPB report this is what I encountered from XXXX XXXX. 
XXXX XXXX retaliated on me as if this is a personal issue. Please see ALL attached evidence.
Product: Credit reporting or other personal consumer reports

Inquiring showing on my credit report for item that I didnt apply for, they are not being removed from my credit report when I reported IDENTITY THEFT several times, credit bureau leave it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and transunion refuses to removed this XXXX  XXXX from my credit report after I have repeatedly requested it to be. It is not my XXXX  XXXX XXXX. XXXX says they use XXXX XXXX  to verify information and I have a document from that company stating they were unable to verify the information and it has since been removed from my record and I want XXXX and transunion to follow suit
Product: Debt collection

Hi, I was contacted in XX/XX/XXXX by Phoenix Financial Services regarding debt from medical service received in XX/XX/XXXX. However, I knew that this was already paid. The company began harassing me and even reported the debt and it was on my credit report. After months of back and forth, I finally received confirmation from the medical center that I do not owe any money. I wrote a letter to them in XX/XX/XXXX indicating that I do not owe the debt, sent proof, and told them to stop contacting me. In XX/XX/XXXX, they wrote back indicating that they can not verify the debt and that they will take it off my credit report and cease all future communications. This month, I received another invoice from Phoenix Financial Services for the same charge back in XX/XX/XXXX. They are threatening to report on my credit report again and said this is my second notice but I did not receive a first. Below I have attached the two invoices ( from XX/XX/XXXX and XX/XX/XXXX ), the letter I sent in XX/XX/XXXX, their response letter in XX/XX/XXXX, and my itemized invoice from the medical center indicating that I owe no money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the debt, and received documentation confirming the debt was paid in full. but the debt has not been removed from my credit report. when i called the creditor they advised me to call the collector. when i called the collector they advised me to call the creditor.
Product: Debt collection

I was alerted by the credit bureau that there was new activity on my credit. Once I checked my credit, I noticed a collection that is not mine. I am not sure who this happened. The accounts fraud.
Product: Checking or savings account

In the month of XXXX in 2021, my personal information was used to apply for multiple loans. One of which with a lender, Sofi Lending, was successfully processed and funds were wired out of my bank into some sort of cryptocurrency wallet. By the time I had discovered the fraudulent charges and activities, it was too late and the cryptocurrency platform/company had advised the transactions were not able to be reversed since the entity had withdrawn the funds funded by the lending corporation. 
I have tried since the end of XXXX leading into XXXX and up to date to resolve the matter directly with the lending company and bank. 
So far I have placed an identity theft alert and fraud alert on my accounts and closed my bank account that was infiltrated/hacked into. 
I have submitted affidavit forms with my bank and they should be under internal review/investigation. In the interim I do not feel comfortable with my credit being ruined as I have no previous history of ever missing payments or overdue balances on any of my legitimate credit lines. 
I have filed a police report and can provide copies of all documents as needed. 
The personal loan pulled under my information is for an amount I will not be able to manage and I strongly disagree that it should be my responsibility as I have not used any of those unauthorized funds to begin with. 
This is not only straining my life mentally and physically but financially it is definitely placing me in a very uncomfortable situation. 
I have been employed with the same company for the past 3 years and receive my compensation that it more than enough for me to pay off my expenses and still leave me with some to save on the side for my future financial goals. 
Please provide assistance as the lending corporation has not made any movement on their end even after I submitted the fraud packet back to them with all the documents they requested I provide. 

Fraudulent Loan was processed in the amount of XXXX. 
( 3 ) Unauthorized wire transfers were processed - taken from my account into a bitcoin wallet that is pretty much untraceable.
Product: Checking or savings account

On XX/XX/2022 ; I was admitted into the hospital for a major XXXX  XXXX. My wife was recovering from an XXXX  on her XXXX XXXX  that took place six weeks earlier. Our joint checking account and debit card with Navy Federal Credit Union was compromised as well as my personal checking account and debit card. Our joint account was hit for over {$1200.00} and my personal checking account was hit for {$380.00}. After recouperating a few weeks, I went through our accounts and noticed a significant amount of money missing. I filed a fraud dispute for both accounts and we were temporarily credited for the losses. We found out that our caregiver who is our nephew used our cards without permission. In XX/XX/2022, the temporary credits were reversed and our accounts debited for the missing money and the reasoning by Navy Federal Fraud was that the cards were present when used. I reiterated my and my wife 's conditions and stated that I was in the hospital when charges were made by my card. Navy Federal Fraud refused to budge and then suspended my debit card privileges for one year despite being a crime victim of debit card fraud. In XX/XX/2022 ; I requested a full review and then never heard back from Navy Federal. On XX/XX/2022 ; I became aware that the accounts under dispute charged off and {$30.00} was taken from my savings account to pay a disputed debt. It appears Navy Federal Credit Union fraud department failed to do a proper investigation and then penalized me by suspending my debit cards for calling them out for not doing a proper investigation. Additionally, if I was responsible for the charges, I would understand the suspension of my debit cards but as a victim of debit card fraud I don't understand why they suspended my debit cards other than for retaliation.