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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : 1 XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened this account in XX/XX/XXXX with XXXX XXXX account # XXXX paid on time and closed it in XX/XX/XXXX because I don't need it and don't want to pay member annual fee 's. 
I had tried many times before to close this account and the agents refused to close it offering to not charge the annual fee for several months then after the time passes stat to charge monthly fee 's. as you can clearly see on the attached statements. 
I am being reported to credit reporting agencies as late and the late charges are for the annual membership fee 's and interest on the fee 's??? 
I have not used or activated this account that they are claiming that I have open with them account # XXXX I spoke with Experian filed two disputes but they close the disputes after only 24 hrs and try to sell me services that I don't need or request. I spoke with XXXX XXXX customer Service and they agree to remove the late charges from my credit report however they haven't done so and Experian and the other reporting agencies are showing me late and is damaging my credit..
Product: Mortgage

I have a home Equity line of credit which has been in effect for several years always in good standing. I have very good to excellent credit. On XX/XX/2020, Rushmore loan management sent me a letter stating that upon review of my fico score, they determined that I did not meet their lending criteria. Therefore, they were suspending my draw privileges on my home equity line. Being that my credit and fico score have always been very good, I called Rushmore for an explanation. I spoke with a woman named XXXX in the Customer relations department. After checking my account, she informed me that Rushmore has suspended many Heloc accounts because of Covid-19. When I asked why my letter stated something completely different, I was told that the real reason for the suspension was Covid-19. There was no real basis to suspend my access to this, credit, based on my credit history and the letter that I received was fraudulent and deliberately deceptive.
Product: Credit card or prepaid card

Elan Financial Services has placed an account on my 3 credit bureaus that is not mine. I am a victim of identity theft. This account is not mine. A hacker stole my personal information from the dark net because of the XXXX Data Breach
Product: Credit card or prepaid card

I received a pre approval offer in the mail. I responded to the offer by applying and was approved for {$3000.00}. The card was issued and I used the card to purchase a book for school in the amount of {$200.00}. After the purchase I was notified that the account was suspended or restricted. When I contacted Capital One I was told I would need to identify myself. I did so by providing my social security card, driver license and passport after initially being told the driver license didnt pass and they told me my account was still restricted. I have checking and savings accounts with Capital One for over 10 years, from XXXX and do not understand how an account can be labeled as fraudulent and still be listed on my profile for my to access. How the same identification I use for the other accounts is acceptable but not for the credit card. How can an account Im responsible for is labeled as not my account. When trying to resolve this matter Capital One position has been held at " we cant do anything other than accept payments due to the restriction '' I received an offer to settle the account, when I followed up to accept the offer I was told by another employee that because the account is restricted its nothing that can be done. The interest rate is different from the offer received and responded to as well. They refuse to help and when I ask for someone who can help I am told they dont accept customers calls. They will not confirm anything in writing, will not provide contact information for a department who can assist. And refuse to send me the transcripts of my recorded calls.
Product: Checking or savings account

On XX/XX/XXXX I received a message stating that my Checking account with Wells Fargo had an approved overdraft at an ATM transaction on XX/XX/XXXX. There was three transactions made ; one for XXXX and XXXX dollars at an AT located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. I explained to Wells Fargo that I did not, make the the transactions not did i authorize the transaction and that I only had XXXX to XXXX dollars in the account. Wells Fargo expressed to me that I have overdraft protection on my account which will allow funds to be taken out without being in the account. Wells Fargo stated that an investigation was conducted and they determine that no fraud took place. I then was told to get a police report if I did not agree which I did on XX/XX/XXXX with XXXX XXXX Police. I provided Wells Fargo with the police report number but was again told that the case can not be reopened and that I am responsible for payment of the withdrawn funds. I asked was the cameras reviewed at the ATM and I was not given a clear answer. I did not make the transactions and the camera will prove that it was not me. I expressed to Wells Fargo that they have a history of discrimination towards XXXX American consumers and the way that this case has been handled I feel discriminated. I just want to get to the bottom of the situation and I do not feel that I am responsible to pay for something that I did not do. I was a victim of something that is very common and I am being accused of authorizing these transactions.
Product: Credit reporting or other personal consumer reports

I recently sent disputes to XXXX, Equifax, and XXXX regarding inaccurate information being reported on my credit report. While the credit bureaus have stated that the Account Name and Account Number were properly investigated, I find this conclusion unacceptable as the Open Date, Date Last Active, and Date Last Reported are all inaccurate. This discrepancy is grounds for the removal of these accounts from my credit report. 

Moreover, my rights under XXXX XXXX. XXXX Section XXXX ( A ) ( XXXX ) have been violated. The law explicitly states that a consumer reporting agency can not furnish an account without my written instructions. I have not provided written permission for these accounts to be reported on my credit file. 

Given these violations, I request the immediate removal of these accounts from my credit report. I expect prompt action to correct these errors and ensure compliance with federal regulations.
Product: Debt collection

My medical insurance company threw me into collections in the fall of 2019. 
The name of my medical insurance company is XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. Their Tel : ( XXXX ) XXXX. Their reason : XXXX paid the claim amount directly to me and not to the hospital. 

It took XXXX XXXX XXXX over a year to prove it, though. I had to repeatedly ask for a copy of their cancelled check. After a year, they found it and sent it to me by mail. I began to make regular monthly payments on the total amount I owed {$760.00} I am disputing the conduct and fraudulent billing of the collection agency XXXX XXXX XXXX used. The collection company is : Lamont , Hanley & Associates , Inc., XXXX. XXXX XXXX, XXXX, NH XXXX Their Tel : ( XXXX ) XXXX. 

I have paid the total amount I owed of {$760.00} IN FULL by XX/XX/2019. Yet, this collection agency continues to send me bills of arbitrary amounts, requesting payment. I have called, written, left messages to this collection agency, demanding them to stop this. Nothing has worked. 

I even sent this collection agency copies of my cancelled checks ( front & back ) to prove I paid them the amount in full. By the way, I paid them all of the {$760.00} in less than 3 months. 

Today, I received yet another fraudulent notice, that I am in collections for non-payment. 
Please, investigate this collection agency. And, please investigate XXXX XXXX XXXX for using this agency. After all, XXXX XXXX XXXX should be accountable for who they choose to represent their company. Thank you for your kind assistance.
Product: Student loan

Was never informed of XXXX loans going into repayment status and was told my representative that issue was going to be resolved. Never was now fighting to get off credit report because loans were transferred to another association.
Product: Mortgage

On XX/XX/2020 I called New American Funding to inquire about home financing for an FHA loan, first-time homebuyer. I spoke with XXXX XXXX, NMLS # XXXX and XXXX pulled my credit while on the phone. I was very forthright about my needs and purchase timeframe for 1-3 months along with the challenges resulting in the need to pursue FHA financing. As a mortgage professional, I am well aware of what goes into a pre-approval and the credit requirements for financing in terms of minimum credit score, finance approval, etc. After XXXX pulled my credit, he indicated that he would send me a copy of the report to review along with a text with an access code to download the report, all of which I have in writing via e-mail. Since XXXX, I have followed up with XXXX on 2 separate occasions and sent income documentation for a preliminary approval and have received no response or acknowledgment to any follow-up inquiry, nor have I  received the access code to view the report XXXX indicated he would provide as a courtesy. The communication has been very unprofessional and I still do not know where I stand and my credit score has been further impacted by a hard inquiry from a company that does not care about the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act and 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 transunion interactive XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/XXXX SSN : XXXX TransUnion LLC Consumer Dispute Center XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX Dear Transunion XXXX was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1. XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, the high balance amount, date opened and more. Please see the attached XXXX. XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, Last Payment, date opened and more. Please see the attached Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

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

I had my personal information exposed in several data breaches including the XXXX data breach, the XXXX data breach and the XXXX XXXX data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have to contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am trying to get to the bottom of this and I would appreciate a less combative response due to your last acknowledgment titled 'Final Response '. This is not an emotional response. So, please read attached files to clarify what I am requesting in regards to additional information due to the last report leaving me hanging with unanswered questions. The Retail Installment contract by definition is installment credit, meaning the seller ( Credit Acceptance LLC ) ordinarily exacts finance charges scheduling payments to be repaid in XXXX or more payments at regular intervals. Now, the finance charge to my understanding is the SUM of ALL charges in my consumer credit transaction. 

I am sorry to inform you that the information you are sending me is not fair and accurate and is in fact moving us away further from the truth. Allow me to get us back on track. In the contract it states I purchased the vehicle using CREDIT. Please understand I know exactly what I am stating- and it's the truth and I need to contact someone of higher statue who knows the truth about what is going on here. & I QUOTE " You have agreed to buy this vehicle from us on CREDIT for the total sale price ___ ... " So, to be clear I am very well aware that CASH IS NOT A PAYABLE TYPE- ACCEPTED IN ANY CREDIT TRANSACTION.. So again, why are you charging my debt card and not my credit card which is my social security card which funds ALL my credit transactions? Nowhere does it state that you have the authorization to mark any payment late under my credit card account period. Everything is already paid for with my social security card which is my unlimited open ended credit card defined by congress.
Product: Student loan

I can not log into my account. When I try to use the forgot username and forgot password links they never send me an email. If I try to call them after work their hold times are so long that they close before they answer.
Product: Credit card or prepaid card

They were not taking back ANY XXXX items. I asked for an exchange due to item being defective and stopped working on XX/XX/20. I could not take down off roof due to snow, weather conditions, and danger of injury. I asked for an exchange, store credit, or return to be made whole on product that does not work. Was told nothing they can do.
Product: Checking or savings account

I opened several accounts wit h Wells Fargo afte r filing a Chapter  XXXX  Reorganization Plan.     Every time, I deposit a check, they place unreasonable hold on my funds.     Each time I deposit checks into my account,  Wells Fargo has a different reasoning for placing a hold on my funds.      If the check exceeds   XXXX  , there is a hold If the check exceeds {$5000.00}, there is a hold Meanwhile my funds are on hold, they are charging me overdraft fees for my automatic withdrawls.     I do NOT think it is fair at all, they have my money and are holding it unreasonably.      XXXX , from Pennsylvania and her  Supervisor   XXXX , no last names NOR employee numbers were available.     They further went to explain how the  Federal is HO LDING a portion of my check for Further Verification and Processing.     They claim that  Wells Fargo has N OT been given the funds even though the issuing bank has released all of the funds.     This is troubling to me in that i paid over {$200.00} in Bank fees last month. This type of practice is jeopardizing my  Reorganization Plan.      Please ask  Wells Fargo for  their side of this story.     Thank You,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, all have 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 consent, and or instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries from : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to each bureau requesting the debt be verified and to no avail. Here are the items on my report : XXXX XXXX XXXX # XXXX, XXXX  XXXX  & XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX, XXXX. Also XXXX XXXX  XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We sold our home on XX/XX/XXXX and had a mortgage with Chase Bank. We were currently on the Covid 19 Forbearance program which we believe we were approved for in XXXX of XXXX. We have moved into a temporary rental home with hopes to purchase our next home soon. 

We had just applied for a new mortgage approval as there is a few homes we are looking to make offers on, only to find out that Chase has us reported as being 120 days past due even though the report also states the loan was paid off. This reporting, is now preventing us to be approved for a new mortgage. 

We have notified Chase and was told that the forbearance program was not started until XX/XX/XXXX so worst case scenario we would have only been 30 days late. At the time we applied and was given the approval for the forbearance we were told this would not affect our credit. They had agreed that there was a mistake with the 120 day part and would try to have that fixed but could not guarantee they can fix the 30 day part. 

We have been faithful mortgage payers since XXXX and have never missed a payment or have been late on any mortgage payment ever on all our mortgage accounts. If we knew that we would have been affected, we would have borrowed money to make the last payment.
Product: Payday loan

I was looking online to get a quick loan for a bill I had neglected that needed to be paid. I selected big Picture Loans. I was approved for {$600.00} with a fee coming to a total of {$800.00}. I talked to the lender over the phone and all that was mentioned was the fee of {$200.00}. I just paid what I thought was my last payment on XXXX/XXXX/XXXX. Making the total {$860.00}. I received an e-mail later on that day that my next payment was scheduled in two weeks. I thought that did n't seem right, and went to check why I still had a due amount. After clicking to review documents I discovered that I was being charged an astronomical amount in 749.4296 % in fees. Making my {$800.00} loan {$4200.00}. I did not agree to this, nor was I informed on such a high rate of interest or I would have not chosen this company. I am beyond enraged that they are getting away with so much of my money. I have paid my due loan of {$800.00} and that should have been that. Not a payoff date of XXXX XXXX for a loan so small.
Product: Credit card or prepaid card

American Express did not adequately protect this consumer from criminal and fraudulent behavior.
Product: Credit reporting or other personal consumer reports

r Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not authorize them and they do not have a Permissible Purpose on my behalf.

15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) 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.

The accounts below have violated my rights. Please delete the accounts below : - Creditor name : XXXX XXXX XXXX. Date : XX/XX/year>. 
- Creditor name : XXXX XXXX. Date : XX/XX/year>.
Product: Credit reporting or other personal consumer reports

These following companies flagged my accounts as Collections without my consent or knowledge of it being a known account : XXXXXXXX XXXX XXXX XXXX  on XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX on XX/XX/2022 XXXX. XXXX XXXX XXXX on XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

DEPTEDXXXX XXXX {$230.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$910.00} DEPTEDXXXX XXXX {$190.00} DEPTEDXXXX XXXX {$120.00} DEPTEDXXXX XXXX {$460.00} DEPTEDXXXX XXXX {$3400.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$1200.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$630.00} XXXX  XXXX {$410.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX  XXXX XXXX {$420.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$650.00} XXXX XXXX XXXX {$440.00} XXXX/XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX {$650.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}