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

I submitted CFPB complaints to Equifax on XX/XX/XXXX, XX/XX/XXXX, and as well as a XXXX XXXX XXXX Complaint on XX/XX/XXXX, and an FTC complaint on XX/XX/XXXX. I've also mailed numerous written disputes to Equifax via certified mail, online via Equifax 's website, and over the phone with Equifax to no avail. Pursuant to 15 USC 1681 ( a ) ( 3 ), Equifax assumed their role in assembling and evaluating consumer credit and other info on consumers, I never gave Equifax permission or consent to report anything about me on any consumer report. 15 USC 1681 ( a ) ( 4 ) states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax 's consumer report about me is unfair & impartial because I was never consulted to verify if the information was accurate or if even wanted the info reported at all. Equifax hasnt exercised their grave responsibilities as evidenced by the hundreds of inquires they've allowed into my consumer report, the XXXX data breach, the recent revelation that Equifax has damaged millions of consumers by sending erroneous scores, as well as the continuous reporting of unverified accounts on my consumer report. Equifax has shown a complete lack of respect for my right to privacy, by reporting these accounts and inquiries without my consent & written instructions. These actions by Equifax are also violations of the XXXX XXXX, referenced by 15 USC 6801 and 15 USC 6802.
Product: Credit card

Was pre approved, applied for XXXX XXXX XXXX XX/XX/year> Capital One requested identity verification XX/XX/year> Uploaded Valid Driver 's License, Social Security Card XX/XX/year> Approved for a XXXX XXXX XXXX with a {$500.00} limit on XX/XX/year> Capital One placed card on hold requested verification again XX/XX/year> Uploaded Valid Driver 's License, Social Security Card & Bank Statements XX/XX/year> Uploaded cell phone bill XX/XX/year> Uploaded water bill XX/XX/year> I requested to close account on XX/XX/year> because Capital One refused to accept the multitude of documents that they requested and that I provided to prove my identity and address even though every last document had my name AND residential address on it. 
Capital One did not have a valid reason to delay the processing of my application and is in violation of the ECOA based on racial discrimination.
Product: Checking or savings account

On XXXX XXXX, XXXX, I received an offer of 1 % bonus for deposit upto {$50000.00} if I kept deposit for 3 months. ( refer to pages XXXX of XXXX and XXXX of XXXX in uploaded documents ). I deposited {$50000.00} on XXXX XX/XX/XXXX. By XX/XX/XXXX my bonus was to be deposited in my account. Not having received any bonus until XX/XX/XXXX, I called up customer service and was told that we will review the matter and get back to you. After about XXXX month I inquired again and was told that matter is still being reviewed. I Was also told that there is no specific date by which the review will be finished. Since then, I inquired XXXX more times and each time was told that matter will be escalated to higher level. I was also told that there is no way I can talk to any higher decision making authority. By now it had been XXXX months beyond promised date and it began to smell more like scam so I decided to involve CFPB in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent credit card was opened in my name and shows on my credit report. I have tried contacting the credit card company : Barrclays and was on the phone for over 1.5 hours and never was able to get through to talk to anyone as their lines were busy. I have made several reports and still no help. 
Barclays XXXX XXXX XXXX DE XXXX Ph : XXXX THIS IS NOT MY ACCOUNT and is stolen identity or fraudulent : I can not spend countless hours trying to reach them as they do not answer a phone and their web page is impossible to navigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX  of 2020 I disputed with Equifax, XXXX, and XXXX about and unverified account XXXX XXXX for {$810.00} medical bill. I also ask XXXX XXXX XXXX   for some verification with my signature showing that I have an agreement with them and this belongs to me without violating my HIPAA rights. in my several attempts to receive this information I received no response from XXXX XXXX. So how is it that the three credit bureaus Deemed this account verified when I received nothing from XXXX XXXX  to prove that this account belongs to me with my signature. wouldn't this be a violation of my HIPAA rights??? 

Also in XXXX  of 2020 I disputed with Equifax and XXXX XXXX   about the inaccurate reporting of XXXX XXXX acct # XXXX on my credit report. The reporting is not consistent showing three different Open dates and this was asked to be removed because of the inconsistency making this inaccurate collection item reporting and this should have been removed according to the fcra
Product: Credit reporting or other personal consumer reports

My credit card had been compromised with something else credit. They have not provided me proof I used it. I fo not use credit cards I just had XXXX for renting cars or hotels. They were unfair with investigating this matter. They wanted me to provide proof on my end. I wanted them to provide I XXXX XXXX used the card. And how could or would They let it get over the credit limit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Upon reviewing my updates, the incorrect information was still found in my Transunion reports which I believe has been taken care of due to the written appeals I sent. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. I did not authorized, consent or have knowledge to how or when they were opened. Please see the account is blocked from my report as I did not benefit or receive any goods or services from this account. Here is the account I need removed/blocked from my credit report. 

XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

i lost my job in XX/XX/XXXX when i stopped paying XXXX XXXX   before that happened i was always on time with my payments when i lost my job i spoke with XXXX XXXX and they refused to work with me and i told them i have no way to pay them so long story short the original loan was for i believe {$2500.00} and now they are saying because i have defaulted that now i owe them $ XXXX and i just started working and they are saying they have the right to garnish my entire check no court order required, they are no help and do not want to work with me i know i owe them money but they have to understand i did not have a job and if i could pay it off all at once i would have already because they are the worse company to work with ever.
Product: Credit reporting or other personal consumer reports

I contacted each credit company individually and they all admitted to reporting inaccurate information, and per my consumer rights any information that is being reported inaccurately must be removed. I am now requesting that they remove the following accounts due to inaccuracies being reported, and knowing reported by the credit bureaus. The credit reporting agencies are not designed to violate my rights as an indiviual and they are currently in violation of several consumer protection laws. I have tried to have conversations with them about this however they are not in business for the consumer whos report they are furnishing they however are only in the business of credit reporting to make a dollar, and their inability and unwillingness to correct the issues and inaccuracies on my file is going to end up with attorneys being contacts. The following accounts must be removed for inaccuracies on my file. 


in accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  acct # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX  acct XXXX XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX.. These accounts have violated my rights 15 USC 1681 section 602 A. states i have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 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: Checking or savings account

On XXXX my XXXX closed on a home-sold a property. Navy Federal Credit Union max check deposit is XXXX. XXXX XXXX of XXXX Wisconsin provided three escrow checks. I deposited on XXXX a check in the amount of {$28000.00} and {$50000.00}. I called NFCU and the representatives waive my ability to deposit both. On XXXX my account showed two transactions of {$220.00} made available to me. On XXXX evening my acct was negative {$49000.00}. I have called numeral times and sent messsges, however the bank just states its their process. I disagree that a check hold would put anyones bank in the negative. This is a bad business practice, I received no warning and NFCU should correct their collection process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want accounts closed and inquiries gone
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2018, XXXX XXXX XXXX another collection item showed on my credit report that has not been verified or validated. I contacted XXXX  ( online ), XXXX, and Experian to advise of the issue. I asked was there a XXXX  alert and they said " yes ''. 
XXXX alerts have been on my credit report since XXXX, 2018. 

I advised they that they are reporting not valid information and asked them to remove it. They informed me that they have to dispute it, even if it's fraud. That I should file a police report if I believe it was identity theft. 

One of the requirements is that I'm allowed to obtain information from a debt collector. At this time, I was not able too. I was advised to contact the debt collector.
Product: Debt or credit management

i attempted to reach out to creditors regarding obtaining a login, but they consistently declined to assist me.
Product: Credit reporting or other personal consumer reports

About XXXX months ago ( XX/XX/XXXX ), I was started the process of trying to obtain a loan. Because of Wells Fargo, I'm still in that process and have not been able to secure this loan.

The reason my loan is taking so long is because I have two 30 day lates on my credit from a Wells Fargo credit card that I've had in my name for over 10 years. These allegedly occurred in XX/XX/XXXX and XX/XX/XXXX, while the world was in the midst of the pandemic. I was never notified of these lates and to my knowledge have always paid my credit card on time. 

Over the last XXXX months, I've tried all the normal avenues to get this incorrect payment reporting rectified. I've called Wells Fargo probably 5 to 10 times and repeatedly was assured they would correct the 30-day late reporting. On multiple occasions, they told me that the reporting was corrected and to just wait for the next credit bureau reporting cycle, which can take 30 days. I've waited twice for that to happen and still nothing has been fixed.

I've also reached out to the credit bureaus a handful of times and filed countless disputes to no avail. 

I'm simply trying to get these two incorrect 30-day late payments ( from XX/XX/XXXX and XX/XX/XXXX ) removed from my credit. 

I'm currently XXXX  and this incorrect information from Wells Fargo is causing me undue stress during my XXXX, not to mention completely delaying me from obtaining my necessary loan for almost a year. I've experienced stress that has both directly impacted my XXXX and my financial situation and I just want Wells Fargo to correct this.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts blow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX # XXXX XXXX XXXX XXXX Account XXXX # XXXX Service/ XXXX # XXXX Service/ XXXX. # XXXX Line of XXXX/ XXXX # XXXX XXXX XXXX # XXXX XXXX/ XXXX # XXXX Service. 
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. ( aX5 ) Section : no comsumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C1681s-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 or other personal consumer reports

XXXX has been sharing my personal information with the credit reporting agency who are unaffiliated 3rd party without providing me with the required disclosures. They have also refused to respond to any of my correspondences. Also the account they are illegally reporting is in charged off status, as you know accordingly with the IRS a charge off status is income. Income can not be report on a consumer report. On my consumer report, XXXX is reporting my personal information which is illegal under the Privacy Act of 1974. Pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, XXXX  is illegally reporting my information to unaffiliated 3rd parties.. I have checked all documents they gave me and none of these documents contained any of the required disclosures. Per the FCRA, as a federally protected consumer. I am now opting out of any and all authorization that I as the consumer may have given you, written, unwritten, verbal and nonverbal per 15 usc 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get in contact with a creditor that is listing a charge off on my credit. XXXX is reporting a charge off with a balance of {$57.00} and i have called a lot of different places in attempt to settle this debt with no success. Apparently XXXX no longer services XXXX credit cards and i can not find any contact information for them. This account is affecting my credit scores and i need to be able to settle. I want to settle but if this company no longer exist who do i pay?? I'm not sure what to do and am requesting that the bureaus remove this debt from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR : XXXX XXXX XXXX BALANCE : {$150.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX BALANCE : {$150.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX   BALANCE : {$540.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX BALANCE : {$540.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX BALANCE : {$530.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX BALANCE : {$530.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX BALANCE : {$880.00} ACCOUNT # XXXX XXXX XXXX XXXX BALANCE : {$880.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX BALANCE : $ XXXX ACCOUNT # XXXX CREDITOR : XXXX BANK XXXX BALANCE : {$1900.00} ACCOUNT # XXXX CREDITOR : XXXX BALANCE : {$1900.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX BANK USA BALANCE : {$3900.00} ACCOUNT # XXXX CREDITOR : XXXX   XXXX XXXX BALANCE : N/A ACCOUNT # XXXX CREDITOR : XXXX   XXXX BALANCE : {$120.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX : {$14000.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX BALANCE : {$14000.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX : XXXX ACCOUNT # {$430.00} CREDITOR : XXXX XXXX XXXX BALANCE : {$350.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX XXXX BALANCE : N/A ACCOUNT # XXXX THE FOLLOWING INQUIRIES ARE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. PLEASE REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK AUTO XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX TENANT CHECK
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I deposited to my account {$500.00} via my iphone on XXXX/XXXX/2015 on XXXX/XXXX/XXXX my deposit was to clear. A check came in for XXXX and the bank decided to pay the check XXXX, then charge me {$36.00} OD fee, then release my Funds instead of releasing my funds XXXX then pay the XXXX check. I contacted the BB & T was told told that they do not have to release funds XXXX I should have made sure I have enough funds to cover my checks. Other banks I bank at when I do check deposit by iphone, they make the monies available up to the XXXXt {$1000.00}. This bank takes as much days as a counter deposit, if not more.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/21 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX
Product: Debt collection

HillCrest Credit Agency XXXX XXXX XXXX XXXX has 7 different charges of alleged medical debt that they are actively reporting to the credit bureaus against me for a total amount of {$41000.00} This amount is absurd and totally false, and I have receipts to prove so. I have sent HillCrest Credit Agency 3 debt validation letters months ago, 2 by certified mail and one of which I dropped off at their office in person. HillCrest Credit Agency has refused to respond entirely to the debt validation letters, yet they continue to report the inaccurate charges monthly to the 3 major credit bureaus. On XX/XX/2023 I called their office at XXXX XXXX  and spoke with XXXX XXXX. I explained that I had sent the agency 3 debt validation letters however I have not received a response. I advised her this was a direct violation of the Fair Debt Collection Practices Act. She stated that it wasnt. She was very rude and stated she wasnt able to give me any information, and further stated I needed to contact an attorneys office, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY. I explained that first and foremost, I have been in contact with XXXX XXXX XXXX, I have all responses to the suit filed from XXXX XXXX XXXX on file with the XXXX XXXX XXXX, in regards to the ongoing lawsuit. Additionally, XXXX XXXX XXXX XXXX XXXX have not responded to my most recent response placed on file with the Courts, of which is now over a month with no response from them, as I check daily with the Court Clerk. Furthermore XXXX XXXX XXXX has not been able to provide a debt validation letter either, and multiple request were sent to them as well. Lastly, XXXX XXXX XXXX has no mention of HillCrest Credit Agency in the Court Documents filed against me. HillCrest Credit Agency is not listed as a Creditor, neither any debt is listed as owed to HillCrest Credit Agency neither is HillCrest Credit Agency listed as a party represented by XXXX XXXX XXXX. Most Importantly, the law office is NOT reporting this alleged inaccurate debt to the three major credit bureaus but HillCrest Credit Agency is the party doing so. I advised if they are reporting this debt to the credit bureaus on a monthly basis, with the most recent reporting on XXXX XXXX, they need to validate the debt they are reporting. She stated she was going to hang up in my face and then proceeded to do just that. HillCrest Credit Agency is directly in violation of the Fair Debt Collection Practices Act, and participating in bad and unethical business practices. It is my right as a consumer to have an alleged debt validated. Any alleged debt by the Debt Collector should be validated within a reasonable amount of time, or cease reporting it to the credit bureaus if they are not able to validate it. Additionally, HillCrest Credit Agency is inaccurately reporting a debt and when asking for information on this alleged debt, they are verbally stating they can not provide me any information.