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

Equifax and a few other creditors are ignoring the FCRA and are reporting violations onto my report causing harm
Product: Credit card or prepaid card

Summary : Wells Fargo Bank denied my credit card application because I did not submit a telephone number to receive messages from them, after their representative told me I could apply without doing so. The representative and her superior later identified the lack of telephone number as the reason for denial. I was sent a false letter by the Bank giving me a deadline to agree to submit the telephone number, when the application had already been denied when the letter was sent. This denial is the first I have ever received over 35 years of using credit cards, and will damage my credit score. 
XXXX XXXX, XXXX : Applied for XXXX card after receiving promotional in the mail. Provided all information in detail, but refused my cell phone number for privacy reasons. Representative said the application could be made without it. 
XXXX XXXX, XXXX : Date of letter from Wells Fargo telling me I had until XXXX XXXX, XXXX to provide my cell number for the application or it would be rejected. 
XXXX XXXX, XXXX : Date of my receipt of that letter. I called XXXX immediately and by chance got the same representative, " XXXX '', as on the XXXX XXXX call. I asked to cancel the application, since I did not want my cell number used. She informed me she could not cancel it. The call was escalated to a supervisor, who told me the application had already been rejected. The XXXX XXXX letter was a clear falsehood. The supervisor apologized pro forma, said " the system '' had generated the false letter, and told me nothing could be done. 
I have had dozens of credit cards over 35 years, including one continuously since approximately XXXX. I have a high credit score, and am XXXX. It will be damaged by this action of XXXX.
Product: Money transfer, virtual currency, or money service

My information and wallet were stolen and also my internet was hacked and all my important passwords and login information were stolen and compromised and used to siphon money out of my account. I was so caught up in other things going on I did not notice. I tried to reach out to my bank and they would not help me and when I tried to reach out to Zelle they would not answer my phone. I have filed a police report and that did not seem to help anything.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I received an alert that a hard inquiry from XXXX XXXX  was reported by Transunion. I immediately contacted Transunion because I have never submitted any application to XXXX 's nor had I applied for credit anywhere. Transunion said to contact XXXX 's and to file a police report, and they would investigate. I once again immediately contacted XXXX 's and they confirmed that the application was fraudulent and not authorized. They stated this info would be given to Transunion. I also immediately filed a police report. 

I have provided Transunion with the police report and confirmed on multiple occasions, the last time being today, that XXXX 's has sent the required documents to Transunion advising them the inquiry was not authorized by me and was a fraudulent application. 

Transunion stated they would verify the information with XXXX 's which they have failed to do. 

This not only is ridiculous it's also a violation of the Consumer Reporting Act and my rights. I applied for a loan recently and was denied due to the fraudulent inquiry on my transunion report, because the lender required no inquiries within a certain timeframe. This refusal to remove the inaccurate info has now directly adversely impacted me. 

In summary, in addition to my statement that the inquiry was not authorized by me, the creditor ( XXXX XXXX  ) has provided Transunion with the documentation confirming the credit inquiry should be removed. I have provided the police report stating again that the inquiry was not authorized. There is literally nothing else that needs to be provided for Transunion to remove the inquiry!
Product: Debt collection

Company calls me three to six times a day even after telling them I can not make payments due to lose of work over XXXX. I admitted that I may not be able to make payment arrangements and may have to file for bankruptcy. I still get called three to six times a day from XXXX to XXXX.
Product: Mortgage

Applied for loan in XXXX. Completed all paperwork requested. Completed required training in reverse mortgage and obtained certification letter. Completed loan company required home appraisal ( {$700.00} cost ) in XXXX. No communication since that time ( now XX/XX/XXXX ). No one answers phone, emails or text messages. I need immediate status or whether I should apply with different mortgage company ASAP.
Product: Debt collection

CREDIT BUREAU SYSTEMS ( original creditor XXXX CA XXXX XXXX XXXX ) This has been on my credit report since 2018 and is completely false. XXXX XXXX sent me a bill for over {$1000.00} when I moved out of the townhome I rented from them. There were no major damages, anything minor should have easily been taken care of out of my deposit. Since then, somehow the amount they are reporting has more than tripled. Not only should this be taken off of my credit report, XXXX XXXX should be held liable for damages for the negative impact on my credit for bogus charges. They have used an abuse of authority to send trumped up bills for damage that was not done while I was a resident there.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX BANK ( Opened XXXX XXXX, XXXX, Balance {$41000.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit report has information that is not accurate. Attached is the ledger from the bank which states my last payment on the XXXX account was in XX/XX/2014. why are they reporting anything past XX/XX/XXXX since I no longer have an account and its all paid. How can I be late on a paid account?
Product: Credit reporting or other personal consumer reports

Once again, I request to remove fraud inquires & because Im not truly protected with Trans Union fraud alerts, etc. I been a victim of ID theft again, my info was stolen in XXXX XXXX breach, XXXX XXXX breach, Trans Union data breach XXXX XXXX. My emails, phone number, bank accounts were hacked & my credit is once again compromised & several fraud inquiries have been placed on my report. 
I AM TIRED OF TRANS UNION VIOLATING MY RIGHTS. 
& Trans union fails to take lawful actions & honor my rights & remove these fraud inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute incorrect information for the last six months with the credit reporting agencies. I even submitted a report from the police department stating that someone had used my identity to open up accounts. Also, there are collection agencies that are not my medical doctors listed where I was not sent proof that I had a contract with these collection agencies. 

XXXX XXXXXXXX XXXX the amount {$440.00} XXXX XXXX  the amount {$1900.00} XXXX XXXX {$230.00} {$76.00} Account XXXX XXXX {$1200.00} XXXX XXXX  {$730.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to  Trans Union,  XXXX  and  XXXX  requesting that inquires made to my credit be removed.  XXXX  and  XXXX  has removed the fradrulant inquires however Trans Union has failed to  do so. I have  XXXX  inquiries that I have asked to be removed starting  XXXX    XXXX   until now  XXXX   XXXX    XXXX   when I realized they were there. The inquires still remain and is ruining m y credit score.  The following inquires should be immediately removed :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/XXXX, and XX/XX/XXXX, but the bureaus did not remove them, or prove validation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

As of today XX/XX/2020, I noticed my Bank of America account was $ XXXX. Apparently a hold was placed on my account for no reason and I had no notification of it doing so. Please help me get my money back because my paycheck just got deposited there tonight and theres no need to freeze or put a hold on my account.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX IS SHOWING XXXX ON MY XXXX CREDIT BUREAU WITH ERRORENOUS INFORMATION. THEREFORE I AM REQUESTING THIS CREDIT CARD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD IS SHOWING DIFFERENT AMOUNTS ON ALL XXXX CREDIT REPORTS. AND IT'S SHOWING THE STATUS OF BEING PAID. I AM REQUESTING THIS ITEM TO BE REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial was closed out from Bankruptcy has {$0.00} balance** XXXX XXXX XXXX is still showing from XX/XX/2013 past ( 7 ) years**** XXXX XXXX XXXXXXXX was paid off in full and still showing on my credit report***** XXXX 's is still showing on my credit report closed out in XX/XX/XXXX, XXXX XXXX XXXX  is still showing on my credit report closed out XX/XX/XXXX, XXXX Bankruptcy was dismissed XXXX  XXXX ****
Product: Credit reporting or other personal consumer reports

Notice of Impending Lawsuit Sue to Erroneous Errors on Credit File To : TransUnion, XXXX XXXX XXXX I have previously notified your credit reporting agency in reference to two XXXX XXXX credit cards that have been placed on my credit report without validation. 

It is my understanding that your agency receives compensation to report this erroneous error. This is official notice that I am disputing these errors despite previous notices. Despite my efforts to resolve the discrepancies, I have not received adequate responses or corrections to my credit report, thus leaving me with no other alternative than to consider legal action. 

Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or incomplete information contained in my report. I have provided supporting documentation and evidence to support my claims. 

As a result of these unresolved errors, I have incurred denial of credit, higher interest rates, and loss of business opportunities, which have negatively impacted my financial standings and overall being.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  XXXX XXXX XXXX Account XXXX 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 or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX :
Product: Vehicle loan or lease

Jefferson Capital Systems LLC {$9800.00} - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 and XX/XX/2023, I disputed the public record of Bankruptcy listed on my credit report with Experian. They receive their information from a third party recording agency called XXXX. Both times they acknowledged they received a letter dated XX/XX/2023 from XXXX stating they could not verify the Bankruptcy they initially provided credit reporting agencies and was removing it from their system. 

In my XX/XX/2023 letter to them, I wrote them a letter demanding they remove the Bankruptcy for a 2nd time ( just as XXXX in XXXX, XXXX  ) and disputed their reporting of the Bankruptcy on my credit report and were in violation of FCRA Ss 611 ( 15 U.S.C. Ss 1681I ). 

They denied they were in violation because they never heard back from XXXX when they asked them to reconfirm, despite providing them with the letter from XXXX and said they were within their rights of the FCRA but could not quote me section number. I consulted with a pro bono attorney who said because no such section exists. I respectfully would removed. They are taking advantage of me. I'm permanently XXXX and this has been very hard on me.
Product: Credit reporting or other personal consumer reports

I have sent Transunion the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiry immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have not done business with these companies and now my credit is being affected when looking to buy a home
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$21000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00}, XXXX XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}
Product: Debt collection

I received a notice from DeVille Asset Management LTD in XXXX, XXXX on XXXX XXXX XXXX. It stated that I owe over {$20000.00}, I could receive XXXX % off by settling for over {$13000.00}. I mailed a reply letter dated XXXX XXXX stating the debt was a credit card debt that was over 7 years old which I believed to be past the statute of limitations according to information on www.consumer.ftc.gov 's site, along with a listing by State on XXXX 's site. I have attached that letter, my response letter with pay confirmation, a call log, and copy of XXXX emails over a 6 day period. DeVille 's last email communication with me today states a different date they consider to be the official delinquent date of the debt but that date still makes the debt XXXX and XXXX half years old, still past the statute of limitations, to my understanding it is termed a " time barred '' debt, 4 years in the State of XXXX where I resided when I could no longer pay in XXXX due to job loss. Additionally, I came back from XXXX XXXX last year after living and serving there as a XXXX for 7 years. I am starting over from scratch, I have only been working since last XX/XX/XXXX and I provided a copy of my latest payroll to help identify my financial circumstances. I am in the process of applying for subsidized housing and food assistance in order to live. I do n't own a car, house or anything else of lucrative value. I do n't even have any furniture right now. I 'm temporarily borrowing a friends car to get to work. However Deville cites in the last email they will " proceed as fit ''. Creating more financial burden unnecessarily, putting time, effort and money into pursuing this makes no sense. Please see the attached communications which clarify in date order. I do not agree with DeVille 's assessment with my ability to pay the debt based on my credit score, ignoring my circumstances and that it is a time barred debt. Thank you for your time in this matter.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/year> I wasnt able to speak to a live agent. I only received messages that I would receive a email.
Product: Credit card

i paid my crdit card off and they sent me another bill for money.i sent them the money .now the want more money even after i told them to cancel my card
Product: Credit card or prepaid card

I have a XXXX Amex card since XX/XX/XXXX. The XX/XX/XXXX is my anniversary date. I should get a free night award every year after the card account anniversary date. The benefit terms saying " The free night award will be automatically deposited into your XXXX XXXX member account within 8-12 weeks after your card account anniversary date in the form of an e-certificate. '' Today is XX/XX/XXXX. My anniversary date is XX/XX/XXXX. It has been more than 13 weeks. I still don't receive it. Amex violates their terms. I talked to their customer service. Their representative told me they had created a case for me, which I really appreciate it. And the representative told me i need to wait another 6-8 weeks to get the results. Can you believe it? I need to get an annual free night award after almost half a year since the anniversary date. XX/XX/XXXX is my birthday. You can check through your record. Originally, I want to use this free night with my lover and spend a wonderful day together to celebrate my birthday. But now it's totally ruined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my dispute letters to Equifax over 30 days ago. This company has failed to respond which is a violation of the fair debt collection practices act. I did not give this company my written consent to furnish these negative accounts on my credit profile. This a violation and i am entitled to {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And 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 1681 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 ( ii ) 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX act 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

I was not aware that XXXX XXXX has me listed as an authorized user on this account. This account belongs to family member and I or the owner of account was not aware that I was listed on the account. I want the account removed from all three credit bureaus.