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

Hi On XX/XX/2021 I sent you another letter asking you to investigate the errors on my report but I still havent had any response from you I am not sure if I am doing something wrong but requesting to remove negative items that are inaccurate should not even be that hard. Please reinvestigate my situation or I might really take this complaint to the next level. I am following a dispute procedure from a certain law expert so please don't take this matter lightly
Product: Credit card or prepaid card

I need to find out some exchange rates for overseas purchases with my Bank of America Travel VISA cedit card. It is impossible to get in any reasonable manner. I had to call BoA three times today, was on the telephone for half an hour or more and was finally disconnected by it. While holding, I was subjected to a barrage of irrelevant marketing recordings along with the same for non-germane choices before I chose something and was put on hold. It was impossible to reach a representative at the number on the back of my credit card ( XXXX ) and there were no automated options for information typically needed when anyone travels to another country. Clearly, this so-called travel card intentionally withholds pertinent information relevant to travel. Why? Are there surprise surcharges or high exchange rates for other currencies? 

A credit card that purports to be a travel card needs to readily provide up-to-date exchange rates it uses for other currencies, whether or not there are surcharges for the exchange and other relevant information needed when travelling to other countries or purchasing things there. 

The CFPB needs to ensure that all of this kind of information is readily available to consumers for any travel related credit credit card and perhaps for all credit cards. It should sanction for BoA for its inaccessibility in general by phone and for withholding this information directly related to travelling.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that Experian by way of XXXX XXXX XXXX XXXX is reporting incorrect, inaccurate fraudulent information on my vehicle loan ( XXXX ) for XX/XX/XXXX Experian is reporting this account as 30 days late. This is inaccurate and false credit reporting. My account isn't 30 days late. Experian cant report my account late unless it is 30 days plus late. please provide the bank statement verifying my payment. If not, UPDATE my XX/XX/ payment as paid/ok. I have never been 30 days late since i have had this account.
Product: Debt collection

First Point Collections Resources is in violation of the Hippa Law and the Fair Credit reporting Act. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. I received a summary of charges listing medical record number, XXXX, XXXX  and type of XXXX as validation of debt from them. First Point Collections is purposely causing me mental and emotional stress by having procession of my medical information, that can be seen by any their employees at any time and intentionally destroying my credit by placing 12 accounts on my XXXX report. I have included all certified letters sent to them. Along with final letter received by them on XX/XX/2021 requesting Any agreement with their client XXXX XXXX XXXX XXXX XXXX that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; AND SEC. 1340 ( 1 ) BREACH OF SECURITY. And a copy of any HIPAA authorization. Their response was to continue to send me documents that clearly violates the HIPPA Law. First Point Collections has left me choice but to file complaints to the organizations that are in place to protect the rights of the consumers.
Product: Debt collection

Focus Receivables ManagementXXXX XXXX XXXX XXXX, GA XXXXThis company has reported to the credit agencies that I have {$38.00} in collections with XXXX XXXX from XXXX and reported it in XXXX XXXX. I 'm in the process of trying to obtain a home loan and this has negatively affected me. There is no way that this is a legitimate debt as I was not living in the United States from XXXX XXXX - XXXX XXXX, do not have XXXX XXXX nor is it even available in XXXX Idaho where I 'm currently living. They had called me several XXXX times and I informed them that this is not my debt and I do not have any account with XXXX cable. I had asked them several times to stop calling me before blocking their number. I 'm still receiving several mysterious automated calls daily. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have noticed unauthorized inquires on my credit report that has been hindering me for years and I will like for them to be removed .I am also being garnished from an debt collector that was not authorized by me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Debt collection

Mariner finance has being reporting an account on my credit file as a charge off and I have been disputing this issue for years.
Product: Vehicle loan or lease

TOPIC : a ) KIA FINANCE AMERICA denied my loan application. Why are they telling me that Im 3 months behind in car payments? 

b ) Without my permission, why did XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, send my loan application to XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, Application Number : XXXX, Dated XX/XX/XXXX, for the XXXX XXXX XXXX? This loan application was also denied! 

c ) I have called XXXX XXXX, and KIA FINANCE AMERICA XXXX or 6 times, concerning the loan for the XXXX KIA XXXX that is on my credit report and why they refuse to have it remove, because XXXX KIA has the XXXX KIA XXXX, and KIA Finance America denied my loan. The response I get from them is They are not responsible for removing anything off my credit report. 

d ) I have all the documents that prove everything XXXX saying. These XXXX companies are committing XXXX XXXX and damaging my credit history. 

XXXX ) On Friday, XX/XX/XXXX, I was at XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, to purchase a XXXX. After talking to XXXX XXXX XXXX, XXXX, about what I need the XXXX for, he convinced me to purchase a XXXX XXXX XXXX. I did explain to XXXX XXXX XXXX that my XXXX XXXX is not XXXX or higher, but he assured me that does not matter. 

XXXX ) XXXX XXXX XXXX ran my XXXX XXXX and told me that I was right about my XXXX XXXX, but he was going to talk to XXXX XXXX XXXX, XXXX, to get his approval for the sales. 

XXXX ) XXXX XXXX XXXX returned and told me if I want to get the XXXX XXXX XXXX ( XXXX ), I must do the following : a ) Return my XXXX XXXX XXXX to Drive-Time, because I can not afford XXXX car payments, and beside I would get a better XXXX. 
b ) If I decided to keep the XXXX XXXX XXXX, I would need to put a down payment of {$4000.00}. I listen to XXXX XXXX XXXX, and returned the XXXX XXXX and I did not have to pay a down payment. 

XXXX ) I was told that since the lender ( KIA FINANCE AMERICA ) will not approve my load until Monday, XX/XX/XXXX, XXXX XXXX XXXX, XXXX, wanted me to fill out and sign all documents, and then I could XXXX XXXX the XXXX XXXX XXXX over the weekend. But I had to put the XXXX on my insurance policy first. So, I did. 

XXXX ) Once approved, the dealership XXXX XXXX will sign the documents and back date them. Then I will get a signed copy of the Sale Contract. 

XXXX ) That did not happen!! I went back to the dealership and XXXX XXXX XXXX told me that the lender, KIA FINANCE AMERICA, denied my loan application. 

XXXX ) XXXX XXXX XXXX told me not to worry because he has another XXXX that I could purchase. It was a XXXX XXXX XXXX. I did look at it, and since they took the XXXX XXXX XXXX, I told XXXX XXXX XXXX that I wanted it. I was told that I needed a {$4000.00} down payment. I refuse to pay and left both the vans at the dealership.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX,2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX To whom it XXXX concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX Please update my name to : XXXX XXXX XXXX XXXX only and correct date of birth is : XXXX XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my report, as they are not deliverable to me by the U.S Post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Trying to use WISE to get friends to send me money from XXXX  to reimburse me for tickets I purchased for a future trip, and once again WISE makes the process extremely difficult. One friend successfully transferred some money, after two attempts and a bunch of hurdles. The other friend is still trying, the first time the transfer was canceled and the amount minus some costs was refunded. The second time he thought the transfer was successful and sent me an email saying so. When I checked my WISE account the transfer was flagged with an exclamation point and when I clicked on it a page with a button to complete verification appeared. I clicked on the button and was greeted by an error page. 
I called customer service and was told my friend needed to call them for some verification. 
My friend didn't get any warning, email, or messages whatsoever that there was a problem with the transfer neither did I. 
I'm starting to understand how WISE can claim to have lower costs of transfer than traditional banks. 
Multiply these sorts of " problems '' by thousands of unsuccessful transfers, holding transfers for a few days or weeks, and charging transfer costs after canceling them, that's a devious way to grab money. 
On top of that the incentive ( {$75.00} ) to get your friends to use WISE is not real. By making the first transfer unsuccessful it voids automatically the reward as well as the free-of-bank-charge first transfer.
Product: Debt collection

I've been disputing this XXXX Account with XXXX for 2 years and explaining to them that my identity was used fraudulently by a family member. I've sent in copies of my police report on numerous occasions showing this and they in fact verified they received my information to confirm that my identity had been used fraudulently. They FLAT OUT REFUSE TO REMOVE IT FROM MY CREDIT FILE. I've called, sent in certified mail and done regular mail and NO REMOVAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

There a bunch of collection accounts showing on my report and severely damaging my credit score. The damage is causing major issues with my financial life and literally costing me more. Due to this incorrect reporting ; we have been unable to buy a home, we have been passed over on renting a home, and we are paying more each month for car payments and insurance. According to each collection agency, all accounts need to be deleted from my credit report. I am including the names and confirmation numbers for each acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Transunion is reporting inaccurate information on accounts. This practice hinders my Transunion fico score ore from moving. XXXX has a score of XXXX and Transumion has a score XXXX this is inaccurate and fraudulent because the same accounts on XXXX is on Transunion so why isn't Transunion updating. This is personally effecting my financial opportunity to be considered for future financial help. This practice must stop as it permanently damages my character and its discriminatory
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts and inquiries reported on my consumer credit report, as referenced below. These entries are the result of a data breach or fraud, and I request a thorough investigation. I also demand verifiable proof bearing my signature or electronic signature to validate these actions. 

This letter is being sent directly by me, not through a third party, and I request that you review it carefully. I did not authorize the actions reflected in my credit report, which constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section XXXX : Blocking information resulting from identity theft or fraud [ XXXXXXXX XXXX XXXXXXXX ], and Section XXXX : Permissible purposes of consumer reports [ XXXXXXXX XXXX XXXXXXXX ]. 
After contacting the companies involved, I confirmed that these actions were initiated without compliant validation or original proof. The accounts and inquiries in question are factually inaccurate, as I never authorized them. These entries are a result of a XXXX XXXX or the improper reporting of my consumer information by creditors or XXXX-party data furnishers. 

I respectfully request that you take immediate action to investigate and remove these unauthorized entries from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Mortgage

I am behind on my mortgage and want to stay in my home. I was out of work due to medical reasons went back to work for a period of time. The enviroment had not changed and I decided for my own mental health to leave the company. I have called before to mortgage company in regards to this and when i have stated that i was waiting for payment from short term XXXX they did not believe me. I have had a hard time working with them before. I did apply for assistance from state and received for past due lot rent and that took up all the assistance i qualified for. I would also prefer they do not call park management
Product: Debt collection

I started a gym membership roughly 1 month having my second XXXX to fix multiple XXXX XXXX I received while in the XXXX XXXX. I went to the gym everyday for about a month or two and my XXXX XXXX XX/XX/XXXX once again and my XX/XX/XXXX came back. So I stopped going to the gym in XXXX and the gym kept taking automatic payments regardless of my medical situation and failed to provide me my contract that they never gave to me. I was finally able to put a stop to the automatic payments in XX/XX/XXXX after they had taken my money up to this point. In XXXX I called and told them once again that I was going to put a stop payment on them and that I wanted to cancel my membership. I was advised to send an email providing details on why I needed to cancel my membership to their gym email and that I would hear back from them within 5 business days. That never happened I had another XXXX on or around the XXXX of XXXX to repair multiple re occurring XXXX XX/XX/XXXX and an inguinal hernia, that sustained while on XXXX XXXX in the XXXX XXXX back in XXXX that kept coming back. The company XXXX XXXX attempted to contact me multiple times but every time I answered my phone I got a voice recording with almost an hour wait sometimes 2 hours of a wait and was never able to get anyone on the line. Fast forward to present day, they have continued to harass me about my membership, and then, they sent my case to debt collectors who called me up, harassing me threatening me, threatening to sue me, etc. In the gyms membership I vividly remember it stating that at anytime I could cancel if I had a medical reason written by a medical doctor. I have multiple letters from my doctors that specify why I can not participate in unit PT at my command Do you do the extreme nature of my now XX/XX/XXXX XXXX. These letters also pertain to outside the command but are not directed towards the gyn they are lawful orders written towards me and my command to abide by since they are coming from a Medical Officer in the United States military. I am currently on a medical board for my XXXX and can not handle another ounce of pressure from these debt collectors. Please help!
Product: Credit reporting or other personal consumer reports

Despite my prior seven attempts to address this issue, I regret to inform you that the fraudulent items remain unresolved. This letter marks my eighth attempt to request the removal of these unauthorized transactions from my account. The continued presence of these fraudulent items not only compromises my financial security but also affects my trust in your company 's ability to protect my interests as a customer. 
The lack of resolution has caused me significant stress, inconvenience, and potential financial losses. I have attached all relevant documentation once again, including account statements highlighting the fraudulent items and any supporting information that could aid in the investigation. I understand that resolving such issues can take time, but the prolonged delay in addressing this matter is unacceptable. Please keep me informed of the progress and steps being taken to resolve this issue until it is fully addressed. With this, I am asking for your assistance to correct the accounts: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 XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the delayed removal of fraudulent items from my credit report. It has come to my attention that despite repeated requests for expedited action, the fraudulent entries remain on my report, causing severe distress and impeding my financial security. 

As a victim of identity theft, I understand the urgency of removing these inaccuracies swiftly to mitigate any further damage to my creditworthiness and reputation. However, despite providing all necessary documentation and evidence to support my claim of fraud, the process of removal has been unnecessarily prolonged. 

The continued presence of these fraudulent items not only undermines my financial stability but also exposes me to potential risks and liabilities. I urge your agency to prioritize the immediate removal of these items to safeguard my financial interests and restore the accuracy of my credit report. 

I request that you expedite the investigation process and take all necessary steps to ensure the prompt removal of the fraudulent entries. Additionally, I expect clear communication regarding the progress of the investigation and a firm timeline for resolution. 

Furthermore, I demand compensation for any damages or losses incurred as a result of the delayed removal of these fraudulent items. The prolonged delay in addressing this matter has caused significant inconvenience and hardship, which must be rectified promptly. 

I trust that you will treat this complaint with the seriousness it deserves and take immediate action to resolve the issue. Failure to do so will leave me with no choice but to escalate this matter further and seek legal recourse to protect my rights and interests. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$270.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX : {$270.00} XXXX  Original Creditor : XXXX XXXX XXXX Balance : {$310.00} XXXX  XX/XX/2023 XXXX  XXXX XXXX Balance Owed : {$270.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$270.00} XXXX XXXX Creditor : XXXX XXXX XXXX Balance : {$310.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

a few months back as I tried to refinance my house I noticed that all 3 bureaus have wrong date of birth and name and address and also were reporting bankruptcy and car loan and a credit card account that I did not recognized. I disputed with all 3 bureaus and provided them with all my state and federally issued ID and utility and property tax and social security and date of birth to help them correct my personal information and remove the bankruptcy and the 2 accounts with XXXX XXXX XXXX XXXX, but after so many registered mail they still continue their report with wrong report and have not correct anything, they have not responded to my last 3 registered mail and I am not being able to refinance my house and financially this is damaging me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my request to Lexis nexis to provide me with a copy of my consumer report in XX/XX/XXXX. I received a letter with instructions on how to retrieve the report online, but that didn't work. I contacted them by email around XX/XX/XXXX. Address a few days they, ask me to call their customer service line. So a little over a week ago, I call their customer service line and request a new link to access my report. I still haven't received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carmax Auto Finance reported me 30 days late to credit bureua for the month of XXXX. My payment for XXXX is not due until XXXX XXXX. Although i am 8 days late i should not have been credit reported 30 days to credit bureaus. I am not 30 days late for XXXX payment until on or after XXXX XXXX. I am requesting that the 30 day late mark be removed from credit file and I wlll not pursue further action. I have tried to handle directly with Carmax but was neglected. I have also attached supporting documentation.