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

I was informed by my banker ( for 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I noticed unknown, suspicious accounts. Please remove these fraudulent accounts. XXXX XXXX {$190000.00} XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX  XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX  XXXX {$170.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} Please remove these fraudulent inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX 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 card

I have a dispute with a local towing company. Towing company charged higher amount than they promised and also higher than they are allowed to as per law. Also as per their service agreement they have to take care of all my stuff but they did not bring my front license plate. So I opened a dispute with BECU under their visa dispute program but to my surprise I found that they have contracted it out to third party company and this dispute department did not investigate my dispute properly and their decision was " '' towing services were completed we do not have dispute rights against the merchant '' '' we are not disputing whether towing services are provided or not we are disputing the amount they charged and their service. ( i.e. they lost my license plate ). Also I had to call police because towing company was harassing me at my home. Also I feel betrayed that BECU convinced us that we are protected and they will take care of us in such event but actually they contract it out to third party company who really does not care.
Product: Credit card or prepaid card

On XX/XX/2018 A payment of {$500.00} was made on this account. The payment posted and the funds were available. Typically, if a payment is made from an account other than my capital one savings, the payment and funds take a few days to clear. This being the typical process, it was safe to conclude that the payment submitted in XX/XX/2018 cleared. Throughout the month, I used the card as usual. I took a cash advance and made in store transactions. 
On XX/XX/2018, I noticed that Capital one allowed for this payment to be reversed. I am unsure as to why. As to their own policy of making funds available AFTER funds from payments are verified I am unsure why this is happening. The payment on this account was in full and intentional. the information used to submit the payment match my account. 
With the reversal, my account is showing 200 % usage which is inaccurate and unfair. 
Payment for XX/XX/2018 was in full and on time. I was never contacted regarding any inefficiencies with my XX/XX/2018 payment.

I want that reversal removed and my account balance to reflect the balance for the purchases and cash advance that occurred in XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the lawXXXX XXXX XXXX XXXX : {$0.00}
Product: Credit card

I generally pay my Wells Fargo credit card balance in full at the start of each month, but I just noticed that for the past 3 months I have been assessed a {$37.00} late fee on the XXXX of each month. A Wells Fargo customer service representative says that because my online payments were early, they were applied to the previous billing cycle, so I was always " late '' for the next cycle. However, in no case did I owe them any money for longer than 30 days. 

The sequence was like this : XXXX - pay balance in full XXXX - statements closes ( after the payment was registered ) XXXX - {$37.00} late fee ( on XXXX balance due to interest assessed XXXX XXXX XXXX - pay balance in full XXXX - statement closes XXXX - {$37.00} late fee ( on XXXX balance due to purchases XXXX + interest assessed XXXX XXXX XXXX - pay balance in full XXXX - statement closes XXXX - {$37.00} late fee ( on XXXX balance due to purchases XXXX + interest assessed XXXX ) I can understand how their algorithm might work this way, but it makes no sense in the online era when consumers may access their account and make payments any time. I suspect many others are falling into this trap ( and Wells Fargo knows exactly how many this is ). I voiced my complaint to Wells Fargo and they would only refund one late payment " as a courtesy. ''
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative named XXXX with XXXX XXXX in regards to making a correction on my credit report to remove the following delinquencies : XXXX XXXXXXXX Account # XXXX XXXX days past due for XX/XX/2023, XX/XX/2023 and XXXX days past due. 

Representative promised to remove said delinquencies. Attached is also a letter received from XXXX XXXXXXXX dated XX/XX/2023, promising to remove said delinquencies. No action to remove the items has been taken or no corrections have been reflected on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$250.00}
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On Equifax the date last active is ( XX/XX/XXXX ) an an XXXX its ( XX/XX/XXXX ) and on XXXX its ( XX/XX/XXXX ) If the information is coming from the original credtor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 
ACCOUNT NUMBERXXXX
Product: Debt collection

My roommate and I lived at XXXX XXXX XXXX for 13 months. We did everything according to the lease, paid rent before or by the first, put in the 60 day notice, cleaned the unit and moved out early ( we were to be out by XXXX XXXX ). On XXXX XXXX, I gave them my keys and family address in XXXX to forward any correspondence following the move. I also gave them the two week period before calling the apartment complex twice on XXXX XXXX, 2016. I spoke to a lady in the office she was not only confused as to the move-out situation for my apartment but was also disorganized as usual ; she could not tell me anything and was unsure as to why no one received any correspondence from the apartment complex, then stated she would have the manager, XXXX contact me immediately. My old roommate and I have yet to receive a phone call from the manager of the complex, nor have we received any mail following the move. With that being said I would assume we have paid in full-we also did not receive the security deposit back either. 

I have pictures and videos of the unit following moving out and it was left in good conditions. I was unable to stay behind for the final walk through but I believe my roommate may have been. 

Today, XXXX XXXX, 2016, I received a fraudulent letter from I.Q. Data International , Inc. stating I had an outstanding debt with XXXX XXXX XXXX for {$82.00}. The letter states it was to follow up on the move out report sent before continuing with collection activity. Again, not only have I contacted the apartment complex, XXXX XXXX, I have not received one letter from them regarding the security deposit or a debt owed ; I also have not received a return telephone call from the Manager of the apartment complex. I have excellent credit and the people who work for this complex are not only dishonest and untrustworthy but they have falsely threatened on numerous occasions to send us to collections when we have paid our debts and paid on time. We have had enough of the abuse!
Product: Credit reporting, credit repair services, or other personal consumer reports

A personal loan shows to have been taken out without the permission or my acknowledgment.The account does not belong to me. This is a violation of my US Constitutional Rights.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : Balance Owed : XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX Balance Owed : {$290.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Owed : {$3300.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  Balance Owed : {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX Balance Owed : {$290.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$2300.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX Balance Owed : {$3300.00} XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$2300.00}
Product: Credit reporting or other personal consumer reports

XXXX removed XXXX XXXX account off of my report without cause.
Product: Checking or savings account

I opened a checking account with a new account bonus to be earned with qualifying activity. 

Wells Fargo does not send any written confirmation of this bonus option being applied to my account. 

Wells Fargo does not display that my account is eligible for the bonus. 

Well Fargo did not send me the terms of the bonus. 

I completed the primary activity which is a {$1000.00} direct deposit within 90 days. Wells Fargo has not sent any confirmation nor will Wells Fargo confirm in writing that the direct deposit requirement was completed according to the terms. 

Wells Fargo terms claim that it will only retroactively determine the bonus was earned after the period to earn complete qualifying activities for the bonus is over. 

This is unfair to consumers as they do not have a chance to complete the bonus requirements or gain certainty whether the bonus was earned before the period expires. 

Other banks will email bonus enrollment, bonus terms, and an email immediately confirming bonus completion after required activities. 

Wells Fargo currently has unfair and deceptive practices regarding bonuses and operates in an unfair and deceptive manner to entice new account openings but deprive consumers the information to timely complete the activities, verify completion, and thereby earn the offered bonus.
Product: Vehicle loan or lease

On all XXXX of my credit reports showing different dates for last payment made. XXXX, XXXX. XXXX XXXX XXXX on with no last payment details.I asked for the debit to be validated with payments make and last payment. Details of when the account was charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I recently challenged the validity of AD XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 TransUnion received my certified letter from me asking them to update inaccurate information on my credit report. Previously TransUnion responded to me in XXXX that the account information reported regarding XXXX XXXX was accurate and verified which is COMPLETELY false I have proof from XXXX XXXX that the account tied to my name is closed and paid in full with no balance owed. TransUnion failed to conduct a proper investigation & respond within 30 days of receiving original complaint and within 30 days of receiving my certified letter in the mail, TransUnion has went over the extended time period to conduct an investigation into a dispute being that 30 day period started when I originally submitted my complaint in XXXX which is 60 days over the allowed time period, TransUnion has went over the extend time period allowed to conduct an investigation from the date of receiving my letter which was XX/XX/2023, today it is XX/XX/2023 and that is 35 days past the time period the law allows. By failing to abide by these FCRA federally protected laws, TransUnion & XXXX is in violation of the FAIR CREDIT REPORTING ACT. This will be my last complaint/letter attempting to rectify the inaccurate information of TransUnion fails to comply with the FCRA within 2 days after receiving this complaint, the credit bureau will be held liable to for statutory damages up to {$1000.00} per violation. The law states if the credit reporting agency does not conduct a proper ingestion within 30 days the account must be DELETED from my credit report, the law also states if the credit reporting agency doesnt respond to my certified dispute letter within 30 days of receiving the letter the account in dispute must be DELETED from my credit report. I am a human and I will no longer accept computer generated responses. I will be taking this matter to Civil court against TransUnion & XXXX XXXX for violation FCRA & violating contract agreement. 
I will also provide documentation supporting my claim such as my most recent billing statement from XXXX XXXX as well as my settlement agreement contact with XXXX XXXX, I will also be providing proof of my certified letter sent to TransUnion that TransUnion failed to respond to and conduct a proper investigation of. 

Account : XXXX XXXX XXXX account number XXXX
Product: Student loan

On XX/XX/XXXX, I called to request a refund on all of the payments I made on my student loan during the pandemic. The person on the phone told me that he had submitted my request but would not inform me of a timeline of when I should be expected to get this refund. 

I asked three times about a timeline and when this would be processed and he said he could not tell me. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the credit bureaus XXXX XXXX XXXX XXXX ) as well as the collection agency ( Midland Credit Management XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ) and they are still reporting these inaccurate accounts on my credit report under the name XXXX XXXX XXXX. This is NOT my name and these companies continue to illegally re-age these accounts on my credit report. They also close the account and turn around and reopen the account. They also decrease the balance on the account by {$1.00} then turn around and increase the balance on the account by {$1.00}. The is against the law. 

According to the FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. 

Midland Credit Management services are repeatedly re-aging these accounts on my credit report. They are intentionally disregarding the FCRA 623 ( a ) ( 5 ) ( A ) law.

Also, according to 15 U.S.C 1681 law there should not be any damages on my credit report. This is defamation of character. Due to this, I am requesting {$1000.00} per month Midland Credit Management has damaged my credit profile with this inaccurate information. This has been reporting inaccurately on my credit report since XX/XX/2021. I am willing to settle this for {$15000.00}. I expect this to be resolved in 10 days of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. Chapter XXXX Bankruptcy XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse  from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Product: Debt collection

There is no past due balance. I returned all equipment to XXXX XXXX. I did n't receive a Dunning Letter either.
Product: Credit reporting or other personal consumer reports

Action taken by company was a report of fraud. This was done by me in store at XXXX and the claim was resolved. This was a soft inquiry with a phone taken out in my name. My last name was spelled wrong on the account XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Soft Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report no action has been taken yet, I did not authorize this card, this was just a soft inquiry XXXX XXXX XXXX XXXX XXXX this is another soft inquiry I did not authorize XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX This is a hard inquiry on XXXX that I did not authorize XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a hard inquirXXXX on XXXX that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are soft inquiries I did not authorize. I called rent-a-center and they confirmed someone tried to access this in my name. They put this email address : XXXX and this phone number : XXXX XXXX XXXX Inquired on XX/XX/scrub>XXXX XXXX XXXX Inquired on XXXX XXXX  Inquired on XXXX XXXX Inquired on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year>
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account AMERICAN CREDIT ACCE which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that AMERICAN CREDIT ACCE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Mortgage

I can not pay the balloon payment of {$32000.00} due XXXX. 2021. As of XX/XX/2021 I'm financially struggling due to loss of income .I am qualified for The CARE program.
Product: Credit card or prepaid card

On XX/XX/2021, I was alerted Through XXXX that a new credit card inquiry was placed on my credit report. Upon further research, I discovered a new credit line was opened in my name under Capital One. I did not open this account nor did I acknowledge this.