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

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

I am a natural person, I am a living human being, I have rights under the 15 USC 1681.

Equifax is govern by 15 USC 1681. They violated my rights.

I demand that the inquiries listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax to furnish these inquiries. 

Below are the attachments of following inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit agencies and informed them the accounts attached are not to be reported to my consumer report. I never gave permission.
Product: Credit card or prepaid card

On XX/XX/XXXX my father was going to pay off my credit card as a birthday present.when he logged into my online account to make the payment. He accidentally made it from my old bank account instead of his. I made several attempts to have this account removed from my log in but was told it had to stay on file.when I realized what happened I called in that same day on the XXXX to reverse the payment. The associate I talked to told me it was no need to reverse the payment. She told me when the payment was returned just have him make another payment. The payment was n't returned in till the XX/XX/XXXX I called in today to make the right payment and was told my account was closed because if the initial returned payment. When I spoke with a supervisor today on the XX/XX/XXXX I  was told there was nothing they could do to reopen my account. I would have to just reapply. This issue is not only going to negatively effect my credit it was bring my score down even more when I reapply. Which is ridiculous the original associate from the XXXX should have reversed the payment like I requested instead of telling me not to worry about about. I have had this account for almost two years I have never been late or missed a payment and now its closed due yo an associate misinforming information and not doing what I requested
Product: Credit card

I had an account with XXXX that was a pay per click ad words account and placed a credit card on file for them to charge XXXX per month for service before we even started the service i asked many questions about how the ad words system worked and was explained that they monitor the account and create seo words so it would drive more traffic to my website.I was told that they can track the IP addresses so to make sure that the competitor would not be submitting false clicks to drive up my account charges. After the first couple of months things were fine until i received a bill from my credit card company for XXXX from XXXX. I called XXXX and was told that i received XXXX click, s in 1 day. I told them that this was not correct and they needed to investigate this as this was not correct. They did nothing and insisted i pay the bill which i disputed with the credit card company which credited my card until they received a response to my dispute from XXXX.XXXX sent them thier policy, s and procedures but no proof that this was a ligitamite charge which the cridt card company reversed the charge and said the case was closed in thier favor. I Contacted the credit card company when i received their response and was told to re dispute the charge but in writing only which i did and never got any response from the credit card company other than the fact that they said i owe them which i said no i do n't and i explained i want the proof that i received the work i was being charged for because XXXX told me that they could research the IP addresses to see if they were duplicate and if they were they said i would not be liable for them which XXXX has yet to do and i do n't feel that this is correct. The credit card company is not addressing this instead has reported incorrectly to reporting agencies in correct information which is affecting my credit rating.
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. Furthermore, assurances were provided over the phone that the account would be promptly updated. 

XXXXXXXX XXXX XXXX
Product: Debt collection

I am not liable for this debt with BULL CITY FINANCIAL SOLUTIONS.I do not have a contract with BULL CITY FINANCIAL SOLUTIONS, I am writing in regards to a collection that came up on my credit report on XX/XX/XXXX, XXXX was brought to my attention that this debt involves ********* I am disputing this debt because I have no knowledge of this debt. Nor am I liable for this debt because there is no contract between me and this company. they are in violation of the Fair Credit Reporting Act .Please verify this debt as required by the Fair Debt Collection Practice Act with the following.XXXX ) Proof of my contract to pay the original creditor XXXX ) A copy of the final account statement issued by the original creditor XXXX ) A break down of the total amount due, showing principal, interest, and other charges, and XXXX ) For all charges, the date of and the basis of each charge .XXXX dispute this debt because I do not recognize this debt and do not owe any money to this creditor. 
Collection Agency BULL CITY FINANCIAL SOLUTI Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$130.00} Amount {$130.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification UTILITIES Last Payment Date Date of First Delinquency XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day! 

I received your information through the FTC and also the XXXX  XXXX  XXXX  service authorized by the Federal Government. 

In short, I've been plagued by a series of constant errors by the credit agencies which after researching and jumping around in hoops, is clearly the result of either : A ) Institutional bias against minority groups and denying people access to credit ; or B ) Malpractices internally at these organizations I would like to formally request a review and possible indictment of the leaders of these organizations to ensure that we are not jeopardizing working families and people trying to survive as well as grow the US Economy. 

I have evidence that I would like to submit privately or on a separate channel. 

Thank you and be safe! XXXX bless!
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting an incorrect bankruptcy on my credit history. It is not mine. I sent documentation. They stated they verified it. They did not. The Court DOES NOT give any information to ANY outside sources. They never provided me proof this belongs to me under FCRA they are required to do so.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX XXXX XXXX XXXX Experian and Equifax are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX XXXX, Experian and Equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX XXXX, Experian and Equifax, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX, Experian and Equifax are not maintaining reasonable procedures.
Product: Credit card

I applied online for a credit card with Chase Bank USA , N.A . XXXX XXXX XXXX, XXXX DE XXXX. They sent me a letter turning me down for a card due to info acquired from XXXX, stating reason was bankruptcy. My credit score is XXXX which was in the good credit area. Here is my problem. I am tired of applying for and being denied for this reason. Okay, we did have bankruptcy in 2011. We had no recourse. For over XXXX decades we had excellent credit, with unlimited access to cards. However, due to my husband 's military status, his social security number was hacked, therein resulting in theft and unauthorized purchases, so high and numerous to be unreal. They had to be incredibly sophisticated with this hack. We could not find out who, where or when it was so huge and numerous. Even if my husband was a " millionaire '', I do n't think we could have kept up with the problem, therefore, bankruptcy. My problem is, when will we stop being punished for something out of our control? I can understand a bank denying us for this reason, however, it is so wrong to have points taken away for applying, especially considering the facts surrounding that bankruptcy in the first place! We did not plan to have people invade our privacy and steal from us and I 'm so tired of all of the negative results that was not of our doing!!!
Product: Vehicle loan or lease

My complaint stays the same. Wells Fargo violated Wisconsin Consumer Act laws when they illegally and unlawfully repossessed my vehicle. Violating Wisconsin Consumer Act 425.206 ( b ), 425.206 ( a ), 425.206 ( 1 ) ( d ) Wisconsin Consumer Act under 421.301 ( 25 ). 

Wells Fargo damaged, reported negatively after the filing of a chapter XXXX bankruptcy, added unnecessary CPI insurance on my loan, and continues to try to cover up their multiple errors made on my loan file which caused a calamity in my life. I will continue to submit complaints as I continue to fight regardless of if the CFPB is just a posting place. Thus far, I have not seen the need for the XXXX, but I will continue building this platform with complaints. My consumer rights will not continue to be violated.
Product: Mortgage

Mortgage company is suiting a wrongful foreclosure. The company would not allow payments to be made and have no physical building. The property went on forbearance during the pandemic and instead of allowing payments they wanted the entire forbearance. The company then approved a loan modification but immediately after filed a foreclosure during that 37 day wait frame of underwriting, the house is now being auctioned and wrongfully so. We have all intent of paying the mortgage but have been offered no solutions as to how. The home was involved in a divorce and the bank refused to speak with me even though I am on the loan and the legal owner of the home. 

No resolutions and taking the home without proper protocol.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 


XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/22 I called my credit card company to increase my credit limit. My card was paid off and I havent been late in making payments. They denied my request anyway.
Product: Credit card or prepaid card

OnXX/XX/XXXX2017 I called Chase to provide a PIN so that they could access my credit file, which I keep frozen for security. The weekend before I applied for a Marriott credit card ( which I recently closed out only to later change my mind on wanting the card ). I understood that I would have to apply again and I had no problem doing so. 

When I first called I provided the individual with the reference number ( XXXX ) which he used to being the process, however I had a call from my wife and had to terminate the call. I then called back about 5 minutes later and spoke to a different representative ( XXXX ). I informed her that I wanted to provide the PIN so that I could continue with the application process. She attempted to verify me by asking me to give the her credit limit of one of my other credit cards. I was n't sure of the limit since I do n't utilize that credit card often, though I informed her that I was in my vehicle trying to go to work. 

I was unable to give her that piece of information, though I know that I gave her my date of birth, address, the application reference number, my SSN, volunteered that I had recently closed out the same account about 6 weeks or so in the past, volunteered the other information about my account, read all of the physical information from the credit card that I was being asked to confirm the limit to ( number, expiration, member since date, CVV number ), cited the fact that my last name was spelled incorrectly on the XXXX XXXX 2017 letter from Chase, however this information was not enough for her. 
I asked to be transferred to a supervisor ( XXXX, unsure of spelling ). The supervisor asked me similar questions. However at one point, she asked me to provide the exact amount of a transfer that came into my Chase checking account ( with my wife ). Frustrated since, I would not know the exact amount of a payroll check that was deposited into my account and that was my wifes check. I asked why I would need to give this information when I was applying for individual credit. The supervisor indicated that this was standard verification. Naturally I wasnt able to give this number, nor would I if I did know since this appeared to be conditioning my application on information related to my wife. 
Eventually I was able to remember the credit limit for the card they were asking me about, and ONLY then was I allowed to give them my PIN to unfreeze my file to process the card ( which I was approved for in only a couple of minutes ). I was on the phone for over 30 minutes, for what shouldve been a 5 minute call, asked an unreasonable amount of verifying questions that hinged all on one credit card limit, late to starting work, and asked to provide information on my wifes income to process a single application for credit.
Product: Credit card or prepaid card

- In XXXX or XXXX of XXXX, I received a promotional mailer from Barclaycard that offered XXXX XXXX miles for spending {$2500.00} or more per month between XX/XX/XXXX and XX/XX/XXXX ( see attachment ) - I registered for this promotion using promo code XXXX at XXXX by XXXX XXXX and then completed at least {$2500.00} in purchases for the six required months ( see attached statements ) - The terms promised that miles would post to my account in XX/XX/XXXX. They did not post, so I sent Barclaycard an e-mail on XX/XX/XXXX to request an update. They advised me that they would open a case and Id hear within 30 days ( see attachment ) - On XX/XX/XXXX I followed up with Barclaycard because I hadnt heard back. They advised me that my case had been closed and that no miles were awarded. They did not provide an explanation ( see attachment )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXGENESIS Financial not conducting timely investigation.
Product: Credit reporting or other personal consumer reports

In re : XXXX XXXX XXXX reports showing adverse activity with XXXX XXXX, a private student loan lender. 

XXXX accounts : XXXX. Last Full Payment : XX/XX/XXXX for {$190.00} XXXX. Last Full Payment : XX/XX/XXXX for {$130.00} These accounts should be due to fall off in XXXX XXXX. Yet, XXXX XXXX has augmented the payment history to re-age the accounts.
Product: Mortgage

I received a letter from Flagstar Bank in May informing me that I was being removed from Auto Debit due to three instances of non-sufficient funds ( NSF ). To my surprise, I discovered that Flagstar only makes one attempt to withdraw funds, unlike most other financial institutions that make three attempts. Consequently, I was puzzled about how to comply with Flagstar 's unusual demand that I pay only via certified check. 

When I contacted Flagstar to discuss the matter, I was informed that I couldn't make payments through Auto Debit, XXXX, ACH, standard check, or wire transfer. They would only accept certified checks. This has caused significant inconvenience and hardship for me and my family. Adding to the frustration, Flagstar 's XXXX and XXXX statements indicated that I would be auto debited, contradicting their earlier letter stating that only certified checks were acceptable. 

In XXXX, I reached out to Flagstar to address this discrepancy and clarify the payment method. The collections department assured me that they would remove the restrictions, allowing me to pay in the usual manner. However, when I called Flagstar today to inform them that no auto debit had occurred and that I couldn't pay online, the collector informed me that a decision was made on XX/XX/2023, not to reinstate my account for ACH eligibility. Flagstar never communicated this decision to me. 

As a result of Flagstar 's poor communication, I have incurred hundreds of dollars in late fees. Additionally, I now face the challenge of finding a certified check dealer within the limited time I have. This entire situation could have been avoided if Flagstar had followed the common industry practice of making three attempts before considering a transaction as NSF. There is no specific governing body that has mandated a universal standard for the number of attempts in auto debit transactions. However, the practice of making three attempts before deeming a transaction unsuccessful is a common industry practice followed by many financial institutions. It provides a reasonable opportunity for customers to have sufficient funds in their accounts and minimizes the chances of accidental NSF situations.
Product: Payday loan, title loan, or personal loan

I received an email last year approximately in XX/XX/2021 from XXXX stating I am eligible for an upgrade on my XXXX since I paid over half the total cost of the XXXX. So just to give some background to my complaint ; I used a company called Affirm to finance a XXXX XXXX. Once I got the email regarding upgrading my XXXX XXXX to another XXXX. I took of advantage of the upgrade. So I receive a email with all the shipping/labeling instructions. I shipped the XXXX XXXX back and got a confirmation email from a company called XXXX that the phone was received and evaluated. Unfortunately, after the 30 days passed before the balance was paid off. I am still receiving emails and text messages from Affirm requesting payment toward the XXXX XXXX that had been shipped and received in XX/XX/2021.
Product: Credit reporting or other personal consumer reports

The current addresses on my credit report are incorrect, please upload to this address " only '' : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Please correct ASAP.
Product: Debt collection

I am writing to address a serious issue regarding the reporting of fraudulent information related to my account on my credit report. This account originates from New Mexico, while I have been a resident of Texas for the past 17 years. 

I recently discovered that your company is reporting an account that was previously handled by Genesis XXXX. After resolving the matter with Genesis, I was surprised to find it now listed under your name, which appears to be just another DBA for the same company. 

This practice is concerning and, I believe, not legal. I previously requested verification for this account, but I have yet to receive any documentation to support your claims. According to your representative, Columbia Debt Recovery and Genesis XXXX are essentially the same entity, raising questions about the legitimacy of your collection efforts. 

I am now formally requesting clarification regarding the ownership of this account. It is unacceptable for a debt that has already been addressed to be pursued under a different name without proper verification. 

This situation violates the Fair Credit Reporting Act ( FCRA ), and I urge you to take immediate action to resolve this matter. I expect a prompt response regarding the verification and ownership of this account. Under the method of verification outlined in 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to send the necessary documentation within 15 days, along with a description of the procedure used for verification.