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

On XX/XX/2021, I requested a credit line increase of {$3000.00} online for my Consumer Home Depot Credit Card at : https : //citiretailservices.citibankonline.com/RSnextgen/svc/launch/index.action? siteId=PLCN_HOMEDEPOT & langId=en_US & pagename=authenticate # creditLineInc However, Home Depot informed a hard credit inquiry without my consent or knowledge at the time or the credit line increase request. This is illegal. No way to provide my consent to a hard credit inquiry ( I.e. no button, signature, or check box was made available to provide consent ). Furthermore, the website provided no notice that a hard credit inquiry would be performed : no terms & conditions or verbiage were present before proceeding with the credit line increase to specify that a hard credit inquiry would be performed. 

Home Depot 's hard credit inquiry now shows under " XXXX/CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX on my credit report and is impacting my credit score. 

I contacted Home Depot today at XXXX to try to resolve the hard credit inquiry issue and inform them that it was performed without my consent or knowledge. However, they denied that the website did not ask for my consent. 

Note : Please see the attached screenshots proving that I was not notified about the hard credit inquiry before requesting a credit line increase. I also have a copy of my credit report to showing the hard credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is furnishing accounts that are not mine! Pursuant to Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ) I am requesting ALL alleged debts to be verified within 72- HOURS of receiving this request or they be IMMEDIATELY REMOVED! Please see attachment for accounts in question.
Product: Debt collection

on XX/XX/2019 I sent NCB MANAGEMENT SERVICES a Debt Validation letter they received it on XX/XX/2019 they didn't respond at all at first then I received a letter from XXXX XXXX XXXX claiming they are collecting the debt for ncb management and if I have any questions to contact them about the debt. but NCB management is still reporting the debt to the credit bureau 's on my credit report and they also have updated the credit bureau 's that the despute has been resolved but it has not been resolved. I have not been sent any validation of this debt and it has been over 30 days. I have not heard anything else from them on this matter but the debt is still showing on my report. they are breaking all the laws on debt and credit bureau reporting which states they should validate the debt when requested. I have included the letter I sent them and the letters I received back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three  times I have submitted requests to the  XXXX  individual credit bureaus as well as  XXXX   XXXX   XXXX  requesting the inaccurate reporting of the late payments in  XXXX  &  XXXX   XXXX  to be removed for all  XXXX  of my federal loans with acct numbers  XXXX ,  XXXX ,  XXXX , &  XXXX .     The agency reported a timely payment in  XXXX   XXXX , 60 days late  XXXX   XXXX , & 90 days late  XXXX   XXXX  for all my accounts. During this time I was struggling with the company to approve my IBR. On  XXXX   XXXX ,  XXXX  I spoke to agent #  XXXX  with  XXXX  who retro-acted my deferment to  XXXX   XXXX ,  XXXX  to be active until  XXXX . I followed up on  XXXX   XXXX , to ensure my account was current was spoke to a man,  XXXX , @  XXXX    XXXX   ( MST ) who stated I was in deferment with a bal of {$0.00} since  XXXX   XXXX .     Every time I have requested the inaccurate reportings be corrected  XXXX  places a remark of " Dispute resolved, Customer disagrees. '' Nothing has been resolved. I was in deferment so the late notices should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX failed to report my account to XXXX  which is in excellent standing causing my FICO score to drop from XXXX to XXXX. I sent them a FCRA notification on XX/XX/XXXX. I was assured by XXXX XXXX their mistake would be corrected. That mistake has never been corrected to this date. 

Yesterday ( XX/XX/XXXX, I checked my credit report with Experian. The same thing has happened again with XXXX XXXX failing to show my excellent credit history with XXXX XXXX which has again damaged my XXXX score from XXXX to XXXX. 

I have sent XXXX  XXXX a FCRA letter demanding them to correct their mistakes within 10 days or I will take legal action.
Product: Credit card or prepaid card

On XXXX I sent a check off to XXXX XXXX XXXX XXXX. They deposited the check on XXXX. They are claiming they do not have the check nor they can not find it. They have been charging me for interest for the {$800.00} I sent in & late fees. They have been charging monthly since XXXX and I was told they were not going to be doing this.
Product: Credit reporting or other personal consumer reports

see attached 15US Codes 1681A Definition rules of construction paragraph 2 titled exclusions state " that transactions do not report to the consumer report. '' Late payments are a form of transaction and late payments reporting to the consumer report is a violation of the Fair Credit Reporting Act. Hence, a breach of the late payment directly violates the Fair Credit Reporting Act. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information on my credit report. The late payments reported for this account are incorrect. This account has always been paid in full and on time. I have never been late on this account and I request that the inaccurate late payment information be removed from my credit report immediately.
Product: Credit card

I very recently applied for a Citi Bank Simplicity card in order to take advantage of a balance transfer offer. On the day I applied my scores on XXXX was XXXX, and on XXXX XXXX showed XXXX at XXXX and XXXX at XXXX I was denied. In my denial letter, XXXX had reported to them my score as XXXX! They denied me! 

I have excellent credit and a great history, I have worked hard and diligently. to get where I am. 


I firmly believe Citi only wants people to take advantage of balance transfer offers if it will only benefit them in the end. Perhaps something they look for in our credit reports that shows we will likely pay off that balance transfer offer
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I am attaching proof of my certified and notarized letter sent to EQUIFAX informing them of my rights and the federal laws they are violating. A notarized letter is a legal document and I intend to take further legal action if my issue is not resolved. 
I also attached a copy of the law so there is no confusion to the Consumer Reporting Agency of the laws they are violating. As a consumer, EQUIFAX may only furnish a report with my written consent. I did not give permission to EQUIFAX and no consent is IDENTITY THEFT. 

Under 15 U.S 1681b- Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) 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. 

Meaning, the account I referenced in my notarized letter must be deleted immediately as they are currently violating my federally protected rights as a consumer. 

I have repeatedly tried to resolve this issue and have contacted EQUIFAX to have this account removed, however they have continued to violate my rights as a consumer, inflict XXXX XXXX ; while ruining my reputation, and character. If this account is not deleted I will send EQUIFAX an invoice of their violations and expect to receive monetary compensation as well.
Product: Debt collection

On XX/XX/XXXX I received a letter from American Express about a past due balance. We reached an agreement for me to pay 24 monthly payments of {$35.00}. My account would then be paid in full, my obligation fully met. I did so. For 23 of those months I made the payment faithfully at the same time every month. 
This last check which was due in XX/XX/XXXX was written, mailed out and returned uncashed by American Express. 
It was sent back to me uncashed, from American Express, to tell me my account was no longer in that office. There was no other address to resend that check. 
Yesterday I received a letter from American Express that is from an office located in XXXX Texas that I now owe {$430.00} due XX/XX/XXXX. 
While I agree I still owe the uncashed amount of {$35.00} this is all I owe. 
I don't know whether to just send the check for {$35.00} or just wait to see what happens next. 
I have worked extremely hard to correct my credit. I do not want this to ruin it for me. 

Let me also state this is not the first time I had to deal with American Express like this. In XXXX I made a deal with them to settle my outstanding balance by making ( 12 ) $ XXXX  monthly payments. Let me state, this was my mother 's balance. American Express called me the day of her funeral. Not thinking right I agreed to open up a credit card to transfer the balance on to my name. I made the mistake and will accept it. 

I don't know what to do with this last payment I agree I owe but I refuse to pat an additional {$430.00}. 

I need your help and I really think you need to look into this company further. I can backup my payments showing American Express cashed my checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Based on the information provided, we believe that your personal information may have been impacted by this incident. 

Click the button below to continue your enrollment in TrustedID Premier. '' My information may have been stolen because Equifax could n't update their security and maintain my life 's personal information.
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 XXXXXXXX Account Name : XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 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: Payday loan, title loan, or personal loan

After repeated efforts to resolve this matter, absolute refusal to adjust this account to show no missed payments. Now a repayment plan will not be honored. Theres something severely wrong with this company. How can you cash checks and then say they were returned to me, sounds like a case of embezzlement.
Product: Credit reporting or other personal consumer reports

No knowledge of this company XXXX XXXX XXXX XXXXXXXX XXXX Amount {$530.00}. I called company. I havent open any new accounts they stated the will send information. I never received information. I disputed account XXXX XXXX, XXXX XX/XX/year> and XX/XX/year> and its still reporting on my credit report. Columbia Debt Recovery reporting inaccurate information on my credit report amount XXXX. I didnt give permission to sell my information its against XXXX Rules and Regelations. XXXX XXXX XXXX {$630.00} not my account. XXXX XXXXXXXX XXXX not my Account. XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX Spoke with Salesman XXXX XXXX and he stared I didnt and never have an account with them and dont owe the amount of XXXX, XXXX. I asked if he could give me something in writing. He directed me to XXXX XXXXXXXX XXXX the company Administrator I spoke with me XXXX  and she stated I dont have nor owe XXXX with XXXX XXXX XXXX I emailed her proof that this was reporting on my credit and she stated that I should dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the debt with XXXX XXXX XXXX and closed the account on XX/XX/XXXX. TransUnion has not updated the status of this account since XX/XX/XXXX and and refuse to update the account to paid and closed. As of today, that collections account is still showing as open and derogatory in comparison to XXXX and XXXX who shows it as paid and closed. I have sent numerous correspondence to TransUnion however they refuse to update the status of the account in order to report accurately.
Product: Money transfer, virtual currency, or money service

XXXX XXXX ( XXXX XXXX XXXX ) contacted me by txt message on XX/XX/XXXX saying that she had obtained my information through a platform and that I was interested in an online job and she told me that the requirements were to have ID and Social Security and then told me that someone else would contact me by XXXX  to give me more details, the next day XXXX contacted me as the head of XXXX XXXX with phone number XXXX XXXX XXXX XXXX , according to XXXX XXXX it is a platform that helps optimize company applications and one does it based on deposits with XXXX  ( XXXX ) in the portfolio of that platform to be able to carry out the work. Depending on what is deposited is the commission you generate, she told me that once the task is finished I They would pay, and when I saw that one had to deposit money, I asked her why I have to put my money in and she said that it was only to be able to do the work and that my money would not be lost, that I would earn commission for that, so I believed him and I was like this for 5 days and they returned the money to me. After those 5 days they did not return me because on the platform there are some combined tasks that consist of the applications that have the greatest value and therefore require more deposit, but After a week I still can't have my money and they only say that I have to deposit the amounts that appear there to be able to finish and withdraw my money, I had only deposited {$1600.00} and then they asked me to deposit {$3400.00} and then {$7800.00} until the last thing was {$20000.00} dollars and it was already to finish and now it says that I have to deposit {$40000.00} dollars to finish and it is the last thing, but I can't take it anymore, I even borrowed to deposit the {$20000.00} but this last thing they asked for was too much. I just hope you can help me please and stop this because she told me how to make the transfers between my accounts, from my personal bank I had to transfer them to a XXXX XXXX ( XXXX ) and from there transfer it to another ( XXXX  ) and from this transfer it to the platform that they have ( XXXX XXXX ). And she told me that if my bank asked me why I make those transfers that say they are to buy XXXX. I feel desperate because I don't know what to do. I put all my money there, because I thought it was real, because there is even a XXXX group that the girl who contacted me joined and there they publish what they earn according to that application. I didn't know that I could make a report with you, until today, XX/XX/XXXX, I saw a video of a person who suffered a robbery and that you helped them. That is why until today I send this report, I have all the transactions, proof of what happened and I filed reports with the FBI, FTC, local police and with my bank ( Wells Fargo ), and until now I have not received any response, only the The bank told me that they couldn't do anything because I authorized the transactions and the other applications, just as they couldn't do anything. I lost around {$28000.00}
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I got a deposit for XXXX I send about XXXX grand out to family and friend and paid for a couple things thru PayPal that same night they stop my account due to ususably activ come XXXX oclock in the morning I call I get into a debate with the lady she ban my account Also the week before they did the same thing I didnt get ban becuase of good conversation now XXXX is holding XXXX of my money that is well needed this is causing. Me to think XXXX they wont let it go
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a 1st letter to CREDIT PLUS dated on XX/XX/XXXX ( Certified letter no. XXXX XXXX XXXX XXXX XXXX ), to provide me a verification letter showing that I have authorized this hard inquiry and CREDIT PLUS have not validated my request. 

Therefore, I sent a 2nd and final letter dated on XX/XX/XXXX ( Certified letter no. XXXX XXXX XXXX XXXX XXXX ), requesting them to provide me proof of authorization with my signature requesting a hard inquiry dated on XX/XX/XXXX. They continue ignoring the request. 

I indicated they need to pay me {$1000.00} for not validating my request based on the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

A balance is reporting on my XXXX  XXXX XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2021. I have tried to resolve this issue directly with XXXX XXXX XXXX and they have failed to correct it.
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account and was told that it would be removed due to it being identity theft as this account does not belong to me and may belong to someone else and or open fraudulently from my file as the amount of {$2300.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached to this complaint and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Checking or savings account

Wells Fargo consistently charged me outrageous sums in overdraft fees, often times when amounts were pending and I had put the money in to cover, etc. Been a customer since 2014.
Product: Debt collection

I have been getting harassed by IQ Data international. They call me constantly saying I owed some debt from my previous apartment. I contacted the apartment complex and they said I did have an outstanding balance, however they did not know who this company was. 
I then explained to them that in the state of California, it was illegal for them to charge me for general maintenance which is what I was being charged for. They agreed and stated I did not owe the balance. However, this company continues to harass me and now they are taking up a collection on my credit. They are an immoral and vicious company
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX