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

XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX sent my credit to a bunch of banks that I didn't want and resulted in unwanted inquiries. 

XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

CAPITAL ONE NA XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX HAD MULTIPLE INQUIRES FOR ONE APPLICATION. Others were said to be pre qualifications but weren't. 

XXXX XXXX XXXX XXXX : Car dealer gave me multiple inquiries for one application. 

XXXX XXXX XXXX : Car dealer gave me multiple inquiries for one application. 

XXXX XXXX : Car dealer gave me multiple inquiries for one application. 

XXXX XXXX : Car dealer gave me multiple inquiries for one application. 

XXXX XXXX XXXX Car dealer gave me multiple inquiries for one application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards with the incorrect items on my credit report. It has been well over 30 days & I havent received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX opened XX/XX/XXXX & XX/XX/XXXX bankruptcy, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX & XX/XX/XXXX bankruptcy, XXXX XXXX XXXX opened on XX/XX/XXXX bankruptcy, XXXX XXXX XXXX opened on XX/XX/XXXX bankruptcy, XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX bankruptcy, XXXX XXXX opened on XX/XX/XXXX & XX/XX/XXXX bankruptcy. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX & XXXX opened XX/XX/XXXX XXXX XX/XX/XXXX bankruptcy, XXXX  XXXX XXXX XXXX opened on XX/XX/XXXX & XX/XX/XXXX bankruptcy, XXXX XXXX XXXX opened on XX/XX/XXXX bankruptcy, XXXX XXXX XXXX opened on XX/XX/XXXX bankruptcy, XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX bankruptcy XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XX/XX/XXXX bankruptcy ... BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Law 15 USC 1681b ( a ) ( 2 ), my rights have been violated. Under this law, it says " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give Equifax written instructions or permission to furnish the late payment on my credit report. 
Account : XXXX If the credit reporting agency is not able to show an affidavit with my written permission to furnish this late payment, then I exercise my consumer rights to have this immediately removed from my report according to the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting this CFPB complaint. By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX Balance Owed : {$4400.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May Concern, I am in need of your assistance. I have been trying to get inaccurate information that is showing on my credit file removed. Here are the items that is inaccurately reporting or is not mine.

The accounts below are not mine : 1. XXXX XXXX - XXXX XXXXy showing on XXXX and Experian 2. XXXX XXXX - XXXX that is showing on Experian and XXXX 3. Bankruptcy XXXX that was filed in XX/XX/XXXX The below accounts is inaccurately reporting late : 1. XXXX XXXX XXXX I was never 30 days late in XX/XX/XXXX ; XXXX, Experian, and XXXX is reporting inaccurate lates 2. XXXX XXXX - I was never 30 days late in XX/XX/XXXX ; XXXX, Experian, and XXXX is reporting inaccurate lates 3. XXXX  - I was never 30 days late in XX/XX/XXXX ; XXXX is reporting inaccurate lates 4. XXXX XXXX  - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; XXXX XXXX Experian , and XXXX is reporting inaccurate lates 5. XXXX XXXX  - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; XXXX, Experian, and XXXX is reporting inaccurate lates The following address information is not mine : 1. 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

Since XX/XX/XXXX XXXX XXXX XXXX XXXX  has failed to update my credit report for my account ending in XXXX. They show I owe over XXXX. The account has been paid on time since XX/XX/XXXXand should show a balance of {$2400.00} of the initial loan amount.

They have been contacted and given authorization to discuss this with my spouse, and they refuse to.

They are in violation of the FCRA and negatively affecting my creditworthiness for years.

The reference # they gave me Ref # XXXX. 

I am trying to refinance and their bad reporting is make it difficult for me to complete this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company 8 times in the past two months I made one purchase made one payment for the exact amount they have double billed me the company sees the problem but no one can correct it they have sent me a letter stating they over billed me on XX/XX/18 I continue to get multiple late payment emails my credit card score is showing a delinquent payment on these multiple phone calls they have averaged over thirty minutes per call
Product: Credit reporting 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. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Trans Union credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act 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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX and WELLS FARGO DEALER SVC XXXX
Product: Credit reporting

Despite YEARS of stellar credit reports and scores, at or about 800 for each reporting agency, I was a couple of weeks late paying XXXX credit card bill and my score dropped over XXXX points! Really, over XXXX points by each agency. This is unbelievable. I have not been late paying any bill in many many years. I was in fact in the hospital undergoing XXXX at the time this bill was due. I do not dispute that payment was late but after my very long history of cultivating exceptional credit status this XXXX point drop must be seen as excessive. In addition, I am in the middle of refinancing our house and this credit report, as it stands now, is costing me money. Please help.
Product: Debt collection

Bayview Loan Servicing ( XXXX ) contacted me via phone regarding a delinquent mortgage they were attempting to collect. I do not have a mortgage. Bayview called my number because the name associated with the mortgage they were attempting to collect matched my name. Other than the same name there was no other association with the debt. Since I don't have a mortgage, or any other debt, there was no basis to associate my phone number with the person Bayview was seeking. There was clearly no diligence conducted on Bayview 's part related to my association with the debt or the Do Not Call list prior to calling me. When I asked how they obtained my number, given I didn't have a mortgage, and why they didn't check the DNC directory, the representative became belligerent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.
Product: Debt collection

In XX/XX/2023, a collection agency reported XXXX different accounts with XXXX different amounts on my credit as collection accounts. The amounts are : {$1300.00} ; {$1300.00} and {$1500.00}. However, I only have XXXX account with the collection agency. Because of there only being XXXX account, there should only be XXXX collection accountnot XXXX. I believe this is an attempt to negatively impact my credit as XXXX collection accounts will significantly decrease a credit score more than XXXX would. 

Why were XXXX different accounts reported for XXXX collection account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a Notice of Delinquency dated XX/XX/XXXX, addressed to myself and the account holder. Re : Retail Installment Sale or Credit Sale Contract Dated XX/XX/XXXX vehicle ( N/A )... This letter will be included if I can upload it. The notice informs me the contract stated above is delinquent & is my obligation. {$750.00} is due the date of the notice. If I don't pay or make arrangements to pay within 15 days from the date of the notice- ( XX/XX/XXXX ), we may report adverse information about you to a consumer reporting agency and exercise our legal rights against you... 
The account holder did make arrangements and has paid XX/XX/XXXX : {$2900.00} XX/XX/XXXX : {$1800.00} XX/XX/XXXX : {$500.00}. A total of {$5300.00} in an attempt to clear the amount owed as requested in the Notice of XXXX. 
XXXX XXXX XXXX reported negatively on my credit before the 15 day period expired on-XXXX, they stated in their Notice of Delinquency. The account holder spoke with XXXX and made arrangements for payment, explaining having every intention of fulfilling that responsibility. Asking why did they report on my credit when arrangements were made. They were asked to remove the report off my credit as I was in the process of moving and could possible be left homeless due to this knocking my score from XXXX to XXXX to XXXX. All in one week. The landlords thought it had to be an error. Unfortunately for me, there was not time to stop the damage.
Product: Money transfer, virtual currency, or money service

Venmo has frozen my account for the second time. I can't access my funds. It's a waiting and hoping game that someone will actually contact you and help you. They'll request documents and information over and over and no resolution. XXXX business days is too long to wait for someone to contact you. ONLY through email?! 
I didn't violate any policy, all of it is my money.
Product: Payday loan, title loan, or personal loan

I thought this app would help they promise to split your rent in two payment installments. I told them my rent amount as XXXX on XX/XX/2022. They split it into two payments and one was supposed to come out XX/XX/2022. I checked my account and nothing came out and my rent portal Showed no payment. So later that day I checked again now it said service error. Need to retype the amount so I did. The next day I checked again and still it said scheduled payment. Later that night I checked my bank account and they took out THREE payments of XXXX! My account was negative XXXX dollars! I emailed them asking to cancel and refund my money. Someone responded saying they can not find my account. I provided my name number and email. Then I get a response back they are working on it. At this point its Sunday night and I couldnt contact my bank. Monday morning I checked my account now its over drafted XXXX dollars because my other automatic first of the month payments for light etc had come out. I called my complex still no payment on my account. I email them again to refund me and cancel my account. No response. I call my bank and have to cancel my card and wait for the three payments totaling in XXXX clear before they credit me. Now Im negative XXXX due to a service that was promoted to help. Then I receive an email at XXXX that they tried again to pull money from my account. XXXX hours later at XXXX XXXX  I get an email they paid XXXX dollars for my rent which said my rent was XXXX but still doesnt show. I check the app and now they adjusted my amount to XXXX for the next payment to be drafted! Im going to probably close my bank account because Im so scared they will take more. They will not cancel my account and if they did pay XXXX I can not afford that. Im a single mom now with no money to even buy food or gas and they wont even respond to me and cancel and refund me. This app is robbing people!
Product: Debt collection

Today X/XX/2017 at XXXX Coast Professional Inc , called my place of employment. I am not sure what the agency is or why they called my place of employment. They asked several people where I was.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX - XXXX XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> Name : XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Current Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX Current Address ( es ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Previous XXXX ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I did a balance transfer from Wells Fargo to XXXX XXXX for a total of {$5800.00}. The transaction was concluded on XX/XX/2022, with XXXX XXXX showing the balance I owed them as of that date. 
But, Wells Fargo still shows that I owe them the {$5800.00}, and their representative says it will take 1 to 3 days to post... BUT, they acknowledge that transaction took place because they already adjusted my available credit, but they will NOT let me use it, as the actual balance amount was NOT updated.

So, Wells Fargo has DELIBERATELY programmed their a system to DELAY adjusting the credit balance so they can continue to charge interest on the {$5800.00} even though they have that money.

This is yet another example of why Wells Fargo should be sanctioned and fined for continuing their criminal behavior, over and over, and over again.
Product: Debt collection

The Company SECURITY CREDIT SERVICES posted onto my consumer reports stating that I owe them an alleged debt. I have no agreement with SECURITY CREDIT SERVICES they have purchased a debt without me being involved in the transaction. How did you get my information? This is a duplicate account pursuant to 15 USC 3002 I am a natural person. 
You are a Third Party Debt Collector, who appears to be fraudulently claiming authority of this Executor  Office to administrate for the me XXXX XXXX. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and SECURITY CREDIT SERVICES is authorized to administrate ( acting trustee ) on I the consumer, together with a certified copies of signatures contract between you and I, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing I XXXX XXXX  private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon I XXXX XXXX. Courts require your contract for jurisdiction. 

I the Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.
Product: Credit reporting 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX and 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 a 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 card or prepaid card

O n XX/XX/21 I signed up for a cruise on XXXX and if I wanted to reserve my reservation I had to give a deposit by XX/XX/21. Barclays was offering a deal that if you open a credit card with them and use their card they would credit me back XXXX dollars towards the cruise I signed up and got a reply back stating it would take time for them to decide if I was credit worthy. I then gave XXXX the required deposit from my checking account. A week later Barclays sent me a credit card. Because they did not give my the credit on XX/XX/21 I am out of luck on the discount. ON XX/XX/21 I tried to activate the card but Was told a specialist would activate the card. I WAS PUT ON HOLD FOR 2 HOURS NO ONE ANSWERED THE PHONE AND I GAVE UP. credit card XXXX mastercard