23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a " Discover IT '' credit card. and was approved, I sent in documents to prove my address and social security number and was told verbally that I was approved for a {$1000.00} credit line and my card would arrive in 7-10 day. so I wait a week and the card never shows neither does an decline notice. I checked back online after a two weeks for my application status only to get a message stating that I has been declined for the card and I would be getting a letter in 7-10 days. I 'm very confused as to why they would approved me then deny me for a credit card and why no denial letter was ever sent out. I sent them everything they asked for XXXX but I never received any correspondence from them after I think these are bad business practices and I ca n't help but think that is slightly discriminatory. My credit history is perfect never missed a payment on anything. So I really would like answers as to why I was approved then denied for a small credit line with no explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.XXXX  XXXX {$2700.00} XXXX XXXX {$10000.00} XXXX XXXX {$850.00} XXXX  XXXX {$440.00} XXXX XXXX {$510.00} XXXX XXXX {$510.00} XXXX {$28000.00} XXXX  XXXX {$360.00} XXXX XXXXXXXX {$200.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXXXXXX {$510.00} XXXX XXXX {$190.00} XXXX XXXX XXXX   XXXX {$2700.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergent accoun # XXXX XXXXaccount # XXXX Has violated my rights 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 fumish a account without my written instructions
Product: Student loan

I co-signed a student loan ( NJCLASS ) for my daughter, XXXX XXXX, in XXXX. She was the first of our children to go to college and we were in unfamiliar territory when it came to financing. When my daughter left school in XXXX, she began to be contacted by her lenders regarding repayment of her student loan obligations. The NJ Higher Education Student Assistance Authority ( NJHESAA ) did not contact us, for whatever reason. XXXX began repayment with all of the other ( XXXX ) lenders and remains in good standing. We were eventually contacted by XXXX XXXX, a law firm that represents NJHESAA, and told that we were in default. We immediately explained that it was an oversight but signed the repayment agreement ( which DOUBLED the initial student loan amount ) to get in good standing. Payments have been made since XX/XX/XXXX and are current. 

Despite the fact that XXXX XXXX provides a letter showing the payments and stating in writing that the account is current, NJHESAA continues to report both XXXX and me as in default/delinquent. Both of our credit reports have been severely damaged due to this. I have attempted to deal directly with NJHESAA and they have told me they are free to report whatever they want and even though they acknowledge I am in good standing with XXXX XXXX, they will continue to report as they see fit until such time as the loan is paid in full. They are rude and have hung up on me multiple times. I have attempted to go through the credit bureaus with disputes but they have the same result. I am currently paying CreditRepair.com for their assistance in getting these incorrect reports removed, and am considering a Fair Credit Reporting Act lawsuit in the event that does not work because of the amount of problems this reporting inaccuracy causes. 

It has also prevented my daughter from consolidating her other loans for a more affordable payment because of the improperly reported payment status. I am sorry we ever got involved with a NJCLASS loan.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Hard Inquiry Account : XXXX XXXX XXXX Inquiry Date XX/XX/2022 Hard Inquiry Account : XXXX XXXX XXXX Inquiry Date XX/XX/2022
Product: Checking or savings account

On XX/XX/year> I applied for a checking account online for East West Bank. I was approved and I proceeded to fund my account with a payroll check from my employer who banks with this bank. 2 days later the funds were made available but since I didnt have a debit card i made a trip to the bank to withdrawal a little over half of the check i deposited to pays some bills and so forth. I went to the branch located in XXXX, ca which is about 25 minutes from my residence. The next closest branch would be XXXX  ca and that is pretty far. When I was making the withdrawal the lady who assisted me had several personal questions that made me feel a bit uncomfortable. Questions that I felt were a form of racial discrimination. I felt as though everyone was staring at me and I felt very out of place. Everyone that worked there not to mention the few customers that I saw were all of XXXX descent and everyone was speaking what i believe to be as XXXX. I myself am of XXXX descent but i do not look XXXX and I was born here in the United states. I only speak English now as I'm being helped the customer rep was talking with her other co workers in XXXX and again I felt uncomfortable. But needless to say I successfully made a withdrawal and that was that. The next day I checked my balance and I figured I needed to go to the bank again because I will need gas and so forth since the debit card for the account was not being sent out till the XXXX. So I went into the same branch and was assisted my carman. Who again was looking at me kind of funny and I was there to withdraw {$150.00}. Then she started asking me not so typical personal questions and by this time I was very annoyed and felt again as though I was being questioned about my income and race. I found myself standing there for literally 2 hours most if it in silence. But all she could tell me is that I can not withdrawl any money because they have to close my account. not only was I in shock but I started to panic because I drove all the way there my car was on empty and now they are telling me I cant have my money. She wouldnt tell me why. I refused to leave until I was able to at least get enough money for gas. They would not allow me to take my funds out. They said they had to verify the check. I disagreed and said no. That was already done and the account of the check holder has a business account with your company so u could easily verify funds which they already did. So at this point I'm feeling as though they didnt want me to be a customer for some unknown reason that i think had to do with the way I looked, the fact that I wasnt XXXX enough to spoke their language. I left there in tears.
Product: Credit reporting or other personal consumer reports

Improper use of my report. Fraudulent investigations.
Product: Credit reporting or other personal consumer reports

I recently reviewed my transunion credit report and noticed some accounts that were not accurate and incomplete. See below : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inaccurate not accurate XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Procedures to assure maximum possible accuracy or the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 16681 i5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. 
( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( I ) promptly delete the item of information from the consumer file. 
( ii ) promptly notify the furnisher of that information the the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are suppose to not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Delete account name and # from my credit report. Delete because of multiple violations of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I decided to check my Equifax credit report after not checking it for a while and I noticed in my inquiry section 10 inquires out of 12 that I do not recognize and did not authorize dating back to XXXX never really apply for credit there for I was alarmed when I discovered this. I immediately printed out my inquires and contacted each creditor and explained that I did not apply for credit with them and if there was anything that they could do they told me to contact the credit bureaus I contacted the credit bureaus, and explained these inaccuracies reporting on my report and asked that they be removed immediately and they directed me back to the creditors I explained to the bureaus that I had previously they then instructed me to file a fraud report. here is a list of the non-authorized inquires on my report. 
1 : XXXX XXXX BANK XXXX XXXX XXXX 2 : XXXX XXXX XXXX 3 : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 4 : XXXX XXXX XXXX XXXX XXXX / XX/XX/XXXX 5 : XXXX XX/XX/XXXX 6 : XXXX XXXXXXXX XXXX / XX/XX/XXXX 7 : XXXX XXXX XXXX XXXXXXXX XXXX 8 : XXXX OF XXXX XXXX / XXXX XXXX 9 XXXX XXXXXXXX XXXX XXXXXXXX 10 : XXXX XXXX XXXX such inquiries being reported on my credit report is very damaging and can and will prevent me from acquiring new credit if need be. I need these inaccuracies removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection / charge-off. It's showing a balance of {$320.00}, per the FCRA this is a violation, balance should be {$0.00} Date Opened : Inaccurate Balance : Should be {$0.00} Past Due : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate
Product: Debt collection

company repeatedly updates credit report claiming I opened an account with XXXX 2 years ago which I've not done. The only account I had with XXXX was in XXXX. This company has falsely claimed the account was accurate for credit disputes purpose. XX/XX/XXXX last payment was made for XXXX to XXXX. Bill amount at time of payment was XXXX. collection company has repeatedly claimed the bill total is XXXX and on Thursday XX/XX/XXXX the claimed the excess amount was for collection fees due to the period of time however company has always claimed this is the amount due of the deliquent phone bill.Collection company using spoofing numbers from local cities. company has begun calling my cell phone and work number using this practice. company should be fined for use of illegal practices. number they are currently using is XXXX XX/XX/XXXX XXXX wednesday XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit, from any of the following inquiries. Block and remove the following that's on my 604 letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am working with XXXX XXXX XXXX that does credit repair from XX/XX/2019 to the present ..my count in TransUnion and XXXX pass status of limitation. the department of education acc :  XXXX and XXXX also pass status of limitation.
Product: Checking or savings account

On or about XXXX through XX/XX/2022. Popular bank closed my business account without my authorization, consulting with me or notifying me. By the time I found out my business account was closed for over 3 months. Popular bank wrongfully closed my account due to a balance under {$1.00}. They said someone used a ATM machine to verify balance and the bank charged a fee of over {$1.00} which put my balance negative - XXXX cents I believe. They they charged {$35.00} over draft fee and {$5.00} interest for everyday until account was closed. I walk in this bank every week and sit with a representative or bank manager who always views my accounts every time I am there. Never have they mentioned my account was closed or I was in a negative balance. This ruin my business and set me back and caused me to lose hard earn business relationships. To my understanding by customer service, I wasnt to be charged overdraft for anything under {$5.00}. Also, I paid thousands of dollars in overdraft fees in past and dont know why. They always have the same excuse about their system. They need to be audit. Now they wont let me open a business account and tried extorting me. I was told told by bank manager either pay $ XXXX or she will state my account was closed for misuse. If I miss used my account, why would she open it if I paid the {$400.00}? Thats extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT IS AN ACCOUNT THAT HAS BEEN PAID IN FULL AND IT IS REPORTING AS A DEROGATORY ON MY CREDIT FILE. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE BECAUSE IT HAS BEEN CAUSING TREMENDOUS DAMAGE TO MY NAME AND CREDIT FILE. THE ACCOUNT INFO IS XXXX XXXX FOR {$78.00}. ATTACHED WILL BE THE PROOF OF PAYMENT.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaints regarding fraudulent items on my credit report. Despite my persistent efforts, this marks my multiple attempts to resolve this matter, and I am seeking for your assistance due to continued inaccuracies and discrepancies. Since then, I have made multiple attempts to rectify this issue, yet the fraudulent items persist on my report, adversely affecting my creditworthiness and causing significant financial hardship. I urgently request for your intervention. It is crucial that these inaccuracies are thoroughly investigated and promptly removed from my credit report to restore the integrity of my financial standing. I am available at your earliest convenience to provide any additional information or documentation necessary to support this complaint. Your prompt attention to this matter would be greatly appreciated. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$480.00} XXXX  XXXX Owed : {$590.00} XXXX XXXXXXXX XXXX Balance Owed : {$4100.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$100.00} XXXX  XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX XXXX Balance Owed : {$2800.00} XXXX  XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX  XXXX Balance XXXX : {$1000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$2700.00} XXXX  XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$480.00} XXXX XXXX  XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple credit card inquiries on my credit report some which were made when I wasn't even in the country. I contacted the credit card companies for whom which I told I don't recognize the inquiry made and that it was a violation to still have it on my credit report. I was told they were gon na mark it as fraudulent and within 30 days or more it will be removed. It has been months as I made these calls in XXXX and they are still there.
Product: Credit reporting or other personal consumer reports

I have about 67 hard inquires on my credit report that didnt come from me. Ive tried contacting XXXX, XXXX and Equifax but they will not remove this misinformation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to TransUnion Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
Please the summary of the negative accounts below ; XXXX XXXX Balance {$0.00} US DEPT ED XXXX Balance {$650.00} US DEPT ED XXXX Balance {$4200.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$230.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX {$2200.00}
Product: Debt collection

A collection agency First Credit Online has reached out to me about a debt that I do not owe, from a gym I closed my membership from 6 years ago. Because I am wary of them being an legitimate debt collection agency I asked them for their professional licence number and they refused to give it to me, saying " we can not give our personal information to consumers we are collecting a debt from ''. I 've called back consistently, and even though the number is based in new york ( XXXX XXXX, their office say they are in XXXX, New Jersey, but I get a consistent suspicion that they are working from offshore ( specifically in XXXX ). here is their website which looks slapped together : http : //www.firstcreditonline.com/
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over 3 letters to XXXX showing them proof that the information they have on file is incorrect and they have refuse to fix the issue. I have show them I was issue XXXX by the following company back in XXXX which my balance should be {$0.00} and the charge off date they have on file shows XXXX which is incorrect. They are refusing to remove it there inaccurate information and stated they have verify with the company which is wrong if they did they would see a XXXX was issue.
Product: Credit reporting

I initiated a couple disputes with this credit bureau starting in XXXX to try and get some inaccuracies corrected. As of this date those account are still not fixed. The bureau claimed to have verified however I know that 's not true b/c the creditor has n't verified with me and i 'm the one that is the alleged debtor. My complaint is that this credit bureau did n't update my credit accounts in question and for not completing a full investigation into the matter. These are the accounts I 've disputed : XXXX XXXX XXXX ) paid off, XXXX XXXX XXXX ) paid off, XXXX ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months, XXXX ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months. 

Im hoping you can help b/c the bureaus clearly dont care about me or my credit atleast thats how i feel.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach through the XXXX credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I am a victim of identity theft. I am writing to request that you DELETE the following Incorrect information from my credit report. 
XXXX  XXXX Bankruptcy Filed XXXX XXXX  XXXX Bankruptcy Discharged XXXX
Product: Credit reporting or other personal consumer reports

In year XXXX during covid pandemic, I set up all my credit cards on auto pay. XXXX of XXXX I used Nordstrom auto pay to pay my account every month, however Nordstrom autopay system did not debit my account on the due date properly. When I noticed it, I immediately made the payment and requested that Nordstrom fix their autopay system. My credit report continues to show this account as 30-delinquent one time in XXXX. I requested the store to remove the late payment as a 1 time courtesy, since I believe it was their autopay malfunctioning. Nordstrom has refuse to make the necessary adjustment to their credit reporting. I am requesting the CFPB to resolved this dispute by contacting Nordstrom credit services and request that they do their due diligence and remove this 1 time negative reporting from my credit reports. 
Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried using LexingtonLaw and I still aint be able to build my credit with a credit card I never had a credit card or a loan I need to build my credit can u help
Product: Credit reporting, credit repair services, or other personal consumer reports

There are four late payments on my credit report for which I don't recognize. The account numbers don't match and it is all incorrect, therefore, I'm demanding the removal of those items pursuant FCRA 623.