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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX off XXXX Recent changes XXXX Credit score XXXX point since XX/XX/2023 Balance Increased WELLSFARGODEALERSVCS account balance increased ^ Between XX/XX/2023 and XX/XX/2023, your WELLSFARGODEALERSVCS automotive account balance increased by {$150.00} from {$35000.00} to {$35000.00}. 
It looks like your balance went up. This could be the result of a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Balance Decreased XXXX CARD SERVICES account balance decreased Today XXXX XXXX XXXX XXXX  How does a loan increase with no missed payments. This showed up on my credit report from Wells Fargo to XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair reporting act XXXX acount number 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: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that Equifax is violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my Equifax credit report : ( Original Creditor : XXXX XXXX XXXX  ) XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Debt collection

They keep reporting as a collection on my credit reports and can't provide accurate data such as correct amount owed, correct balances or the accurate age of this account, which by the way is over 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please do not mark as a duplicate. This complaint is intended directly to Experian. Your actions has caused me and my family mental anguish and your actions has stolen my identity, violated my consumer rights by rights to privacy and the obligation you have to maintain the security and confidentiality of my private information. Your actions are equivalent to AGGRAVATED IDENTITY THEFT. You have failed to comply and knowingly furnished these inquiries without my consent, nor permissible purpose.
Product: Credit card or prepaid card

The Capital One credit card company employees failed to inform me about the status of my ongoing dispute with two unauthorized purchases on my account, resulting in an overdraft that negatively impacted my credit score and my account balance. 
I waited months without any notification that a response had been posted/uploaded to my 'statements and documents ' account on XX/XX/2023, after my response on XX/XX/2023. During those months my account remained in overdraft and my credit score was negatively impacted by charges that I had disputed and did not authorize. 
On XX/XX/2023, I called the capital one fraud department and spoke with an employee who told me to submit a signed letter I had already submitted on XX/XX/2023. I realized that I was being given 'the run around " so I asked to speak with a manager. The Fraud Dispute Manager, XXXX, Employee # XXXX  XXXX, told me that I had a 45-day deadline from the time of their response on XX/XX/XXXX, which put me over the deadline to continue my dispute. 
The unprofessional and neglectful customer support I received from Capital One employees was the only reason I was unaware of the status of my dispute claim. The capital one employees I spoke with also provided false phone numbers for the XXXX company. When calling the number provided, a random tax representative by the name of XXXX answered. 
I have no way to contact the XXXX company, however, capital one seems to be in contact with them but is providing little to no assistance in handling my dispute professionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

*** ( Please be advised this complaint is for FAILING TO NOTIFY ME OF REINSERTION OF A PREVIOUS BLOCKED ACCOUNT*** Please do not over look this issue as you did in my previous complaint Experian has failed to notify within 5 business days of reinserting previous deleted or blocked account information for the account listed XXXX # XXXX ( VIOLATING THE FCRA PART ( A ) ( 5 ) ( B ) ( ii
Product: Credit card or prepaid card

I was the victim of a phishing scam on XXXX XX/XX/2020. It involved purchasing XXXX {$100.00} XXXX XXXX gift cards and I used my Chase XXXX Visa card to make the purchase. I was able to prevent the gift cards from being used and after much effort on my part XXXX XXXX agreed to credit my Chase XXXX Visa card for the full amount of {$300.00}. I have been checking with Chase Bank to see if the credit has been made and today while listening to their own electronic voice account status I was told that three credits in the amount of {$100.00} each were made on XXXX XXXX to my account. When I went to the Chase Bank website and opened my account to verify I could see no record of the credits and we are now three days later. Subsequent calls to their customer service personnel yielded no results. They could not explain why their electronic phone system would indicated that {$300.00} in credits had been made but they could not see any record of the credits in their system. Chase Bank obviously has my {$300.00} credit but is refusing to apply it to my Chase XXXX Visa account. I want them to credit my account for the amount that XXXX XXXX Department store sent as a refund. Their own phone system documents that they received the funds on XXXX XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report and and on XX/XX/XXXX I asked the bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). I waited XXXXdays and as of XX/XX/XXXX The consumer reporting agencies XXXX, XXXX and Experian have not responded nor did they remove anything. 

Per the law U.S. Code 1682a : Definitions, rules of construction, The term investigate consumer report means : A consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete the investigation?
Product: Credit card or prepaid card

I applied for a U.S. Bank Secured Credit Card so I can start rebuilding my credit. My application for the U.S. Bank Secured Credit Card denied due to me having previous credit card and checking accounts that was discharged under XXXX XXXX  Bankruptcy in the United States District Court District of XXXX Bankruptcy Court on XXXX XXXX. U.S. Bank has violated the Equal Credit Opportunity Act ( ECOA ) under federal law by discriminating against me on the basis of my race and me filing bankruptcy and having previous accounts with U.S. Bank, discharged under XXXX XXXX Bankruptcy in connection with denial of credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Submission of Documents Related to Identity Theft Case Dear [ FTC Contact/Department I am writing to submit necessary documents regarding my identity case. Enclosed with this letter, please find the following documents : 1. FTC Report detailing the identity theft incident 2. Affidavit affirming my identity theft claim 3.And other supporting documents, such as credit reports, etc. ] I appreciate your attention to this matter and am available to provide any further information or clarification you may require.

Thank you for your assistance. 

Sincerely, Stall letters attached
Product: Student loan

Navient is ( 1 ) Over-estimating the amount they allege I owe them. 
( 2 ) Charges me illegal interest rates. 
( 3 ) Unresponsive to my requests for information and assistance. 
( 4 ) Discriminating against customers on the basis of race, gender, XXXX, and sexual orientation ( 5 ) Violating state and federal consumer-protection laws in the administration of its student loan account and billing practices in the above-named ways and by numerous other patterns and practices.
Product: Credit card or prepaid card

I HAVE TWO OPEN WITH XXXX XXXX XXXX, XXXX NO.XXXX AND HSN NO.XXXX NOW SHOULD BE OPEN, PAYING AS AGREDD, NEVER LATE. BOTH ACCOUNTS WERE PAID IN FULL IN XX/XX/XXXX VIA ACCOUNT ASSURE. I EXCLUDED BOTH ACCOUNTS FROM BANKRUPTCY DISCHARGED XX/XX/XXXX. ALL CREDIT REPORTS SHOULD REFLECT THE SAME. I STILL HAVE BOTH CARDS. 

PLEASE HELP.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX - XXXX XX/XX/202XXXX XXXX XXXXXXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested on multiple occasions ( XX/XX/XXXX, XX/XX/XXXX ... ..XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX $ ) that Experian review a bankruptcy on my credit report that does not belong to me. They did not accurately verify the information and only looked at the last four digits of the social security number. I initially received a 24 % interest rate on a car and my interest rate on my home is higher because of this. I have sent letters from the court and asked that they verify all information. They said they have reason to believe it belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Acct : XXXX Tuesday, XX/XX/XXXX To whom it may concern, My name is XXXX XXXX, and I first want to thank you for taking the time to read this letter. Ive had a great experience with Nissan-Infiniti LT , and my goal is to maintain the relationship weve built over the last 10 years. I recently pulled my XXXX, XXXX, and XXXX credit reports and discovered I have 3 late payments that were reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my Lease Payment account XXXX. During that time, I had a medical emergency that required me to drain my savings and use most of my paycheck to cover, which impeded my ability to make an on-time mortgage payment that month. I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Up until my medical emergency, I had an on-time payment history with you since my loan was first originated. Additionally, Ive resumed making on-time payments in the months since that point, even enrolling in automatic payments to ensure I dont miss any due dates in the future. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment marks from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration. 

XXXX XXXX
Product: Debt collection

Lexis Nexis has failed to respond through written communication within 30 days from certified mailed letter that was signed by XXXX on XXXX. Lexis Nexis has violated the FCRA 611 ( 15 U.S.C 16811 ) that they did not provide me with a description of the procedure to determines the accuracy and completeness of the disputed information. In dispute letter I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy, who they referred this dispute to ; and who responded back with the required " verification ''. In the meantime, I also obtained a letter from the U.S. Bankruptcy Court which clearly stated that they do not provide any information to the Credit Bureaus. Furthermore : Please Note : Bankruptcy Rule 9037 which states that " personal identific.ation information defined as individuals Social Security, and tax payer identification numbers, names of minor children, last four digits of financial account number, and dates of birth, be redacted from documents filed with the court. " Therefore, ( XXXX XXXX XXXX ) claim that their subscription to XXXX was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft, my personal information was use to acquired XXXX XXXX credit cards. The name appear on XXXX is not my correct name. Please investigate in this matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries 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 Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

I am attempting to correct my credit report with XXXX, XXXX, and XXXX. On my XXXX credit report states it states that I have an account with Mohela. I contacted XXXX to let them know that I do not have an account with XXXX because the account was transferred to XXXX. I disputed this claim and the during XXXX 's " investigation '', Mohela claimed that I do have an account with the company. In addition, it updated the account to say that I am past due. I am not past due on my student loans ; however, my payments are made to XXXX, not Mohela. I am attempting to buy a house and I can not have any past due student loans comments on my credit report. Furthermore, I am making my student loan payments so the information is incorrect. I called Mohela to get my account information and the representative again confirmed that my account was transferred to XXXX. Nevertheless, Mohela continues to report that I have an account with it and that payment is past due. This is negatively impacting my ability to qualify for a home. I provided XXXX with copies of the letter from XXXX and proof of payment, yet the company refuses to remove the information from my credit report. I also contacted XXXX to request the complete loan history from initial disbursement and transfers. I have not received this information. This information is critical to me correctly calculating my student loan payments. I personally believe the calculations are incorrect, yet I can not receive the documents from the initial XXXX  XXXX disbursement. I want the full loan history including the transfer information between lenders. 

I filed a report with CFPB informing it of Mohela 's actions. Mohela acknowledged that my loan was transferred with CFPB, but refuses to acknowledge this same information with the credit reporting agencies. In addition, when I reported this error Mohela lied and stated that the negative statement was added before the loan was transferred. This is a lie. The negative credit remark was added on my account in late XX/XX/XXXX after the account was closed. As I previously stated, I timely made my Mohela bills. When my account was transferred, I begin making payments to XXXX. I want my credit report corrected.
Product: Credit card or prepaid card

I have contacted XXXX XXXX about a account that was opened in my name is now being reported on my credit reported they was supposed to take care of the issue I told them its not my ssn that this account is linked to but it is being reported on my credit report the account number showing on my credit report is ending in XXXX. I have talked to customer service and they bring the account up by four digits that is similar to my son but not my ssn and the say they can't give me any info
Product: Credit reporting or other personal consumer reports

Initially I had a hard inquiry on my credit report from XXXX XXXX on XX/XX/2023 when someone used my identity to try to start a line of credit with them. I was able to speak with XXXX XXXX and after a few weeks they sent me a letter stating the application was fraudulent and they would be sending out a letter to the credit bureaus requesting deletion. After this happened I put a credit freeze and fraud alert on all 3 of my accounts with the credit bureaus. Now on XX/XX/2023 the name of the inquiry has changed to XXXX XXXX XXXX XXXXXXXX XXXX, it has the same date as XXXX  XXXX and everything. Soon as XXXX XXXX sent me the letter stating it was fraudulent the name of the inquiry changed but with the same date. I dont know how this company magically appeared on my credit report when I have it frozen and a fraud alert on it. It only showed up on my Equifax and XXXX as XXXX had removed the fraudulent hard inquiry from XXXX XXXX XX/XX/2023. Im not sure why a new name is popping up on my inquiry list for the exact same date. I spoke with the Company XXXX XXXX XXXX in XXXX NC, and a guy named XXXX, the finance manager said they hadnt pulled my credit and I wasnt in their system, yet theres a hard inquiry on both my Equifax and XXXX stating otherwise. He told me that he couldnt give me a proof of deletion letter as that would be admitting they pulled my credit when they didnt. Yet theres is proof that I showed them via email, where their companys name is on my credit report under hard inquiry. I have not given this company or any company to pull my credit. I am not sure what is going on, I thought everything was handled when XXXX XXXX sent me the letter admitting it was a fraudulent pull, now this inquiry has popped up 3 weeks later but with the same date as the XXXX  XXXX XX/XX/2023, but now the XXXX  XXXX inquiry is magically disappeared with no letter from either credit bureau stating a removal, only thing happened was a change of name.
Product: Debt collection

I received a call from IC System Stateing I owe a Debt of XXXX to XXXX XXXX hospital. The rep Had a Incorect Address along with stating they Went to my Company Website to get my Phone Number. The Collection Rep changed my Address on the Contract they she claim I owe. When I told her I had Idenity theft she told me They will put this on my credit report come XXXX XXXX. I then called XXXX and wrote XXXX Letters with supporting Documents and they never Responded. I Do n't like the fact that the collection Agency change the address from where the fraud happen. I do n't even have a pet. XXXX and the collection agency refuse to even mail a Affidavit for me to sign or dispute the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNIV OF XXXX has an account on my report from XX/XX/XXXX. They have not contacted me as to debt owed. I had grants and student loans. The information is old and should be off of my report. They are showing the last payment as XX/XX/XXXX to try to keep the account on my report longer than lawful. The information is inaccurate. And all of the other bureaus removed it but Equifax wont.