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

On XX/XX/18 I applied for a XXXX XXXX credit card on line through XXXX XXXX. A credit report was pulled and I was denied due to the fact I didn't have an active cell phone at the time for some sort of verification. This policy was not disclosed at the time of my application thus pulling a Fraudulent credit report by XXXX XXXX. I was instructed to go to the store for verification and processing. On XX/XX/18 I did so and was approved for a {$500.00} dollar limit. My purchase was for a higher amount and I requested a credit line increase at the time. The operator at XXXX XXXX said she would have to look at my report to make a determination. I was told multiple times that the conversation was being recorded. I told the operator that if it required a second credit report being pulled that I would not be interested in the increase. She assured me that this would not be necessary. My credit line was increased to {$2500.00} and the next day was informed by XXXX XXXX that I had a second report pulled. I tried a dispute with XXXX and twice with XXXX XXXX XXXX and was told that it was accurate and that there was nothing that could be done about it. I contend that XXXX XXXX credit process is Fraudulent and they pulled 2 credit reports against my direct verbal recorded instructions. This is another example of a big bank running over a small consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX is a victim of identity theft and fraud. EXPERIAN IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3rd ATTEMPT WRITING EXPERIAN ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting or other personal consumer reports

As per FCRA 605B, we are required to delete any incorrect accounts from my credit report. Could you please look into the documents? Some accounts are inaccurately reported in terms of amounts and dates.
Product: Debt collection

Apparently,  XXXX   XXXX   XXXX   XXXX  sold a closed/paid account of mine to a collector. A collection account that was on my credit report through Enhanced Recovery was sold to another collections comp any, AFNI. Now, both are appearing on my credit report and AFNI is mis-representing the date the account was open. The open date shoul d have be en  X/X/XX  but  they are claiming it was open in   XX/XX . Th ey are also reporting that I missed a payment in   X/XX . I  have never heard of this company and I have never received any information from them. I 'm in the process of buying a home and this is now preventing me from doing so.
Product: Checking or savings account

My husband XXXX XXXX has his paycheck direct deposited into my account. XXXX paid biweekly. Payroll goes out that Monday. We receive the deposit on Wednesdays. Weve had this set up for months. Now all of a sudden, this week there is no deposit. The bank has no explanation. They keep giving me generic information each time I speak with someone. XXXX XXXX XXXX stated that the payment was sent to the correct account. The bank is not showing the funds pending or available. No one has an explanation.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I contacted National Credit Adjusters about my XXXX XXXX account of {$1100.00} that was sent to collections. On XXXX XXXX i contacted NCA to settle out the account in the amount of {$680.00}. At that time i was told the account would be deleted or removed. Which it has not. I filed a dispute with XXXX and called and i keep getting call the collections, call XXXX I have a paid in full letter. But not deletion letter. Please help trying to purchase a home, and it needs to be removed.
Product: Credit reporting

I sent transunion a certified mail request for METHOD OF VERIFICATION form which I will attach for the following accounts that do not belong to me. The accounts are : SEE ATTACH DOCUMENTS According to my METHOD OF VERIFICATION form they did not send the requested information to verify these accounts. I also disputed a BANKRUPTCY which I called TRANSUNION and spoke with a representative who put me on hold to call the courts in XXXX Ohio only to find out they do not give out information on the phone but still did not verify the BANKRUPTCY but in there results they put " REMAINS ''. None of these accounts were verified TRANSUNION have not verified these accounts. I sent the METHOD OF VERIFICATION form certified and I have receipt to show and I can email a copy of the receipt to Consumerfinance.gov if requested.
Product: Debt collection

Credit Collections continues to allege a debt that I owe that I do not. I have made no agreements or have any obligations under law to pay these allege debts. Credit Collections did not get any court orders stating I had to pay this debt which they need court authorization to collect this debt
Product: Credit card or prepaid card

1. On approximately XX/XX/2020, Complainant owed Citi Card {$4400.00}. Exhibit " A ''. 2. On approximately XX/XX/2020, XXXX paid Citi XXXX $ XXXX " B ''. 3. Leaving a current balance of {$2400.00}. Exhibits " A '' - '' B ''. 4. Total end activity between XX/XX/2020 - XX/XX/2020, equal {$470.00}. Exhibit " C ''. 5. Ending with a last statement balance of {$2800.00}. Exhibits " A '' - '' B ''. 6. Citi card felt the need to state falsely that a last statement balance : {$3300.00}. Exhibit " C ''. 7. Citi card added the total XX/XX/2020 - XX/XX/2020, equal {$470.00}. Exhibit " C ''. 8. Citi card falsely cooked the books, to reflect that the Complainant now owed {$3700.00}. Ex. " C ''. 9. When in reality the Complainant only owe {$2800.00}. Exhibits " A '' - '' B ''. 
Citi has fail at all times herein, to directly address the issues, but talks around said issue.
Product: Credit reporting or other personal consumer reports

I called midland credit management to pay off my debt. They said they can not help me and to call a law firm called XXXX XXXX XXXX. When I called they stated they now had my debt account and I needed to pay them. I paid the agreed settlement amount and asked for a payoff letter. The payoff letter is in usable because midland credit management is fraudulently reporting they own the account on my credit report and will not send documentation that I have paid off this debt.
Product: Credit card

I've called the AmExp escalation office several times over the last 3 years attempting to resolve their repeated decision to deny me an Am Exp Delta Gold or XXXX XXXX. 

I've applied and been automatically turned down THREE times on or approximately : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Today ) When I last spoke to XXXX XXXX in the Executive Office, he put my on hold and advocated for me as best he could to no avail. All he could do was advise me to keep trying in the future and hope they will finally approve. 

Am Exp has continued to brand me with this decision after I filed XXXX in XXXX when I lost my job, my house and my entire credit status as a displaced professional in the auto industry ( as the entire industry was headed for a economic disaster that the Federal Government later bailed out in XXXX ). 

I have since resurrected my career, rebuilt my credit and accumulated over $ XXXX in retirement savings, which has enabled me to finally retire at XXXX recently. 

I've insisted that I am a low credit risk based on these PROVEN, VERIFIABLE facts : All my bureaus are XXXX scores. 
My house is paid in full I have over a $ XXXX in personal assets I am fed up with being held XXXX by AmExp int his matter after asking how much longer they are going to punish me for economic conditions nearly 20 years ago that lead to millions of people in the auto industry starting over? 

I successfully meet ALL the criteria needed to get approved for a card. The Card AmExp offers is partnered with my preferred airline carrier, Delta, which I plan to use more now that I am recently retired. 

I hope you can get this resolved fairly. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/2020 I used my paypal account to receive my unemployment deposits. The initial deposit from Nevada Unemployment was for {$7400.00} on XX/XX/XXXX. I was able to transfer money out on XX/XX/XXXX and XX/XX/XXXX with all amounts being within their terms and conditions. The next time i tried to use my account I received the message that my account was limited and that i would have to wait 180 days before i would have access to my account. On the paypal website it clearly says " Since 180 days have now passed, you can now transfer your money from your PayPal account. You can transfer your money to a bank account or eligible debit card on your account. You may need to update your bank account or card, or add a new bank account or card before being able to withdraw your money. '' On XX/XX/XXXX i received an email that said the 180 days are up and that I should be able to transfer money out of my account. I have not been able to do so even now. I also dont have an option to add a bank account to be able to transfer funds or have access to my paypal cash card thats linked with my account. Everytime i call and ask about my account I get a different answer. One time i was even told that they cant do anything to help me. Which made me feel that they have no intention of giving me my money back. Its not only been 180 days since i dont have access to my unemployment money but its been way over XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency furnished inquiries and accounts on my report without permission. I, as the consumer, also asked them to remove all of these inquires and accounts not initiated by me ( The Consumer. ) This company is violating the law and my rights as a consumer. I'm exercising my rights to have these accounts be removed per 15usc 1681b section C 1 ( a ) : '' I do not grant TransUnion, XXXX, or XXXX  the right to furnish this on my report.

My instructions are for you to Remove all inquiries from my report.

Per 15 usc 1681b section C ( 3 ) : A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Remove all student loan accounts from my report. Per 15 usc 1681b section ( e ) ( 1 ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I purchased a XXXX XXXXXXXX from a car dealership. Signed the paperwork and contracts XX/XX/XXXX and took delivery of the XXXX a few days later. 

On XX/XX/year> I notice 3 credit monitoring alerts on my credit report that I didnt recognize or remember giving any type of authorization for. 

Only XX/XX/year> Im notified that my loan wasnt approved and they would like to send a tow truck to come pick the XXXXXXXX XXXXXXXX up I bought to commute for work and they would send me a check for my {$4500.00} down payment. 

It is now XX/XX/year>. Im still in possession of the XXXX. I have not received a check for {$4500.00} and/or have I received any type of settlement offer or solution to this issue that would help me in any type of way. I have multiple hard inquiries on my credit report I never authorized that are effecting my chances of even having an opportunity at another auto loan.
Product: Debt collection

It's unfortunate that I've had to take the route of contacting law enforcement. This is not my debt. I've spoken to XXXX all of last week, they state they don't have a contract of any sort bearing my signature. This is a PROBLEM! 

Mind you, XX/XX/18 I sent a letter to not only XXXX but the collection agency. XXXX responded, however, the collection agency has not. I don't owe anything and I will never pay what is not mine. What XXXX did send me, though, was an itemized invoice. This is invalid and is not respected per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 I am reporting a fraudulent inquiries in my credit report
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. This Account is in violation of 15 U.S. code 1681A ( XXXX ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX Case Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. 15 US-CODE 16921 XX/XX/XXXXXXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XX/XX/XXXXAccount Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

My personal information was conscated during XXXX breach and a cyber attack an I have noticed my personal information bein used to apply for credit and was not authourized by me.
Product: Payday loan, title loan, or personal loan

in 2016 I took out a payday loan and I can no longer take out loans
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Mortgage

Bank of America sold my XXXX mtge, But did not reduce the original amount of the combined mtges, Now I 'm paying the XXXX mtge XXXX. 
Contacted them and they have refuse to correct this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did an investigation and deleted three old collection accounts however my credit score went from XXXX on XX/XX/2022 down to XXXX on XX/XX/2022. How could my credit score drop XXXX points when I am in good standing with all of my accounts it appears that this is a form of retaliation against me from Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. I did not authorize these inquiries XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
3. I did not authorize these inquiries XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX ADMINISTRAIVE ENFORCEMENT XXXX MTR Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I disputed this collection account and was not provided valid documentation showing the details of why this account is linked to my information. I sent a letter by mail requesting to send me the information on the debt showing why, when, and how it was mine and advised them to provide me this information within 30 days, and nothing was sent to me. The original debtor that is showing on my credit file under XXXX XXXX XXXX XXXX illegally sold this debt to another company and is in clear violation of the HIPPA LAW and is now under Debt Recovery Solutions. Neither of the company 's have provided me ANY information in regards to how this debt is linked under my financial obligation and they have reported it as a debt to all three major credit bureaus. It is showing the total amount of XXXX owed to Debt Recovery Solutions as of last reported date of XX/XX/20. I am requesting that Debt Recovery Solutions provides a wet signature and documents proving that i am financial obligated and liable for this debt. If their company does not provide this information with in 30 days i will be seeking legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit 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 the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below
Product: Credit reporting or other personal consumer reports

I recently checked my credit report, and noticed some fraudulent accounts on them. I also sent a letter on XX/XX/year> to the credit bureaus demanding that they delete them. I'm filling this complaint along with the letters still on their way because I am in urgent need of my credit report being updated as soon as possible.