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

Response to Erroneous Credit Card Application Denial REF : XXXXXXXX XXXX XXXX XXXX Dear usbank I am writing in response to an email I received from your bank regarding the denial of my credit card application. However, I would like to clarify that I have never been a customer of your bank, let alone applied for a credit card through your institution. 

I am deeply concerned about this situation as it suggests a potential case of mistaken identity or fraudulent activity. Given that I have no prior association with your bank, I find it alarming to receive a denial for an application I never made. 

I kindly request that you thoroughly investigate this matter and cross-check the information in your records. It is imperative to rectify any inaccuracies promptly and take appropriate measures to ensure the security of my personal information. 

In light of these circumstances, I urge you to provide me with detailed information about the credit card application, including the application date and any associated personal information. This will enable me to assist you in unraveling the source of this confusion and resolving the issue at hand. 

Furthermore, I would appreciate receiving a written explanation concerning the denial of this credit card application. Understanding the reasons behind this decision will not only help me address any potential concerns but also aid in safeguarding my financial reputation. 

I trust that your esteemed institution will treat this matter with the utmost seriousness and take immediate action to investigate and resolve this discrepancy. Your cooperation and prompt response will be greatly appreciated. 

Thank you for your attention to this matter. 

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

I XXXX XXXX have tried for over two years to have a credit tradeline removed from all of my respective credit bureaus. XXXX XXXX has maintained a car loan on my three credit reports, even though the register my address in the state of Arizona, a state where I never resided. I even had a conference call with XXXX XXXX with m y lawyer a year ago, and they claim that they have no knowledge how the account could be posted on my credit bureaus, even though the note was assigned to a person in Arizona. The current balance shows {$15000.00} with the last payment made XX/XX/2018. I need this account removed permanently and my name and social security number purged from the computer archives that reports to al credit bureaus immediately. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to you today to inform and notify you that I am a victim of Identity theft. There are accounts in my file that are erroneous and must be blocked or removed, I have already sent the required and necessary files to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov so please block these accounts : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX  Balance {$3400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00}
Product: Credit reporting or other personal consumer reports

My Name Is XXXX XXXX I am a victim of identity theft, my identity was stolen. Someone opened an fraudulent account in my without consulting me. To review my report there is accounts that's fully paid off or paid on time. I am asking that you remove such fraudulent activity such as the inquires as well from my report along with the addresses that doesn't belong to me.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XX/XX/XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has flagged my account past due for the same 30 days 2 times. They say they haven't experian says they didn't yet it shows on XX/XX/XXXX & XX/XX/XXXX. Immediately after my score tanked. I have pics of XXXX changes. When you ask experian why your score dropped they don't tell you. You should be able to know why scores change. That is their job. We are trying to buy a house and it's ruining my credit. I was ill with XXXX for XXXX  years and have worked so hard on fixing credit and now this. No one will help me.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report today, I found unauthorized inquiries that I can not explain. This was highly unusual since I check my credit report regularly. I tried refreshing my browser multiple times, thinking it might be a technical error, but nothing changed. I am requesting a detailed review of the documents Ive sent to resolve this matter completely and avoid further worry.
Product: Student loan

I applied for the XXXX XXXX XXXX on XX/XX/XXXX. After attempting to contact Nelnet several times during the processing period, I never heard back from my emails and the hold times on the phone were over XXXX hours. I finally received a letter in my Nelnet inbox stating that my application had been processed on XX/XX/XXXX and that my payments would begin on XX/XX/XXXX at XXXX XXXX. In XXXX, I emailed Nelnet, again, because my account now showed my status as " IDR PROC ADMIN '' which I was unsure what this meant. Since I had never gotten a response to my previous emails, I also tried calling. I was finally able to get through to someone and was told that this status was due to the fact that I hadn't yet made a payment under the SAVE plan. I was also told it would change once my first payment was due and that my payments would now begin on XX/XX/XXXX. This was very frustrating, as it had already been months of waiting for my application to process and the payments were supposed to begin on XX/XX/XXXX. Now, I would be gaining yet another month of accrued interest that I would not have gained if I could have made my payment with the SAVE plan on XX/XX/XXXX. I asked for confirmation that the XX/XX/XXXX due date would not change and that I would finally be able to make a payment under the SAVE plan on XX/XX/XXXX. I also confirmed that everything on my account looked good and that I was all set to begin the SAVE plan payments on that date. I was told yes. A few days later, I received an email response about this issue as well. In this email I was told that my payments would start on XX/XX/XXXX, the same as what the person on the phone had told me. Today, I logged back into my account to get the payment set up for XX/XX/XXXX and now my account states that the due date is not until XX/XX/XXXX. I am extremely frustrated with Nelnet. I was never told about this due date changing, yet again, and am very confused why the date continues to get pushed back. Now, I will gain another month of interest on my loans. I now owe hundreds of dollars that I would not have owed if I could have made the payments when I was originally told on XX/XX/XXXX. I was able to contact them today and they said there was nothing they could do. They promised, again, that the date would not move and that I would make my payment on XX/XX/XXXX. I do not believe anything they say at this point. They have now told me this XXXX separate times and each time, the date has changed, leaving me with extra expenses. Nelnet has been extremely difficult to reach and talk to about this issue, taking hours of my time just to get an answer that doesn't even stay true. I want my account to be credited for the extra interest I have accrued due to these pushbacks. I was never contacted about any of these dates changing which is unacceptable. This entire situation is unprofessional and has cost me hundreds of dollars.
Product: Credit reporting or other personal consumer reports

I'm disappointed to find unrecognized credit inquiries on my record, despite assurance from TransUnion that they would be removed. I've not given permission for these inquiries, and their persistence is concerning. I trust in the XXXX 's commitment to consumer protection and hope for a swift resolution to this issue.
Product: Debt collection

I first rec 'd a statement from both XXXX and Hunter Warfield stating that my owned balance was {$580.00} ... statement date XXXX/XXXX/15 from XXXX and XXXX/XXXX/15 from Hunter Warfield ... Now they ( Hunter Warfield ) saying that the balance is {$640.00} which is a difference of {$59.00} ... No explanation given at all. 
How is it that I receive XXXX statement and then turned over to collection less than 4 days later? The problem is that I was never given a chance to review, confirm or dispute their charges ... What happened to the 30 days I am allowed to dispute or pay and the other statements I should have rec 'd from XXXX XXXX XXXX XXXX XXXX which is owned XXXX XXXX XXXX XXXX? The 30 days was allowed in the letter dated XXXX/XXXX/15 but not extend to me and now being asked to pay a different amount than from the beginning ...
Product: Credit card

Us bank has locked me out of my account, repeatedly lied to me and even employees have hung up in my face ( XXXX ) supervisor fraud and dispute division after having me on hold for over a hour. They attribute me lock out to me changing my phone number on the account but thats complete XXXX! My account has been locked since Thursday the XXXX XXXX XXXX and no change has occurred. I havent been able to eat, buy any food, get transportation or even feel comfortable and its effecting my sleep because Im filled with XXXX, I am very very upset and angry at US Bank for basically stealing my money and not doing anything to help me! This is so XXXX annoying and Im over it with US BANK, I have called everyday and nothing has happened. This is so XXXX for them to be able to just lock me out of my XXXX account where us bank is taking no risk on my secured card I put my own money on that card so I WANT MY ACCOUNT UNLCOKED AND IM MOST LIKELY GOING TO CLOSE THE ACCOUNT BECAUSE THIS XXXX IS ILLEGAL! I literally cant even buy XXXX food and Im starving because some XXXX at US bank decided to put a lock on my account and now I have to wait for a call back to make sure I made the changed on my account thats completely ridiculous and I extremely upset US BANK CALL ME IMMEDIATELY AND UNLOCK MY XXXX ACCOUNT!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did not send a collection notice before reporting to the creidit bureaus.They reported to the crdit bureau on XXXX XXXX and then sent a notice on XXXX XXXX. 

Several attempts were made to have the information on my credit report validated and corrected but the agent at XXXX XXXX XXXX refused to provide validation of the account an refused to correct any erroneous or outdated information. The name of the agent was XXXX XXXX ( lead supervisor ). In addition, several messages were left with XXXX XXXX but she never returned the call. XXXX XXXX is a senior executive.
Product: Vehicle loan or lease

I have a big problem with a company by the name of Professional Finance Services I have a loan with them and they keep increasing my principal and interest without explanation for why, I make my payments on time and never late but they keep saying that you owe more than the car was worth.
Product: Credit reporting or other personal consumer reports

I have unauthorized accounts on my consumer report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

I prepaid for a rental car through XXXX XXXX - ( a XXXX XXXX ) in late XXXX, 2023 for a 9 day rental. This was a fully prepaid amount to cover the total cost of the car. I was told I had no more charges when I signed off on the agreement at the rental car location ( XXXX XXXX XXXX ). When I returned home I was charged over {$500.00} extra for my vehicle. I have noticed according to a number of reviews of that specific XXXX XXXX that this is a very common practice. I have frequently disputed the charges directly with the company and they refuse to resolve the issue. They have since sent my information to a debt collector - Viking Client Services , LLC. I do not owe XXXX a single cent. They are scamming renters by overcharging them hundreds of dollars.
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, XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received a Robo call from XXXX - upon picking up the phone, a pre recorded message said " Hello, this message is solely intended for ( My Name ) if you are not ( my name ) please disregard this message. Please call XXXX using Reference no. XXXX. Please press 1 to be connected to a representative. When pressing 1, the phone makes an outbound ring, and a operator picks up. Upon giving them the Reference no. they stated that I owed on a claim. Jokingly I stated - Claim..? What kind? Insurance claim? ... They stated No - a law suit and that the complainant wanted to settle out of court on a payday loan in the amount of {$510.00} - I stated that I have never taken out a payday loan.. They then began threatening court proceedings and that I could tell my story to the judge. - Now of course, I do n't and never have taken out a payday loan. After they hang up on you, they appear to block you from calling back. When I called the number back ( including changing the last XXXX digits of the XXXX number, the call goes directly to a voicemail answering service ). 

During the conversations, I asked who the origination complainant was ... They stated " XXXX '' - Prior to XXXX XXXX, when calling the number, Operators would answer as NPS then give a name ... After XXXX XXXX, the calls switched to foreign accents. The voicemail recordings state that the company is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have exhausted every communication and appropriate dispute channels with Transunion. After 12 months they finally fixed all issues in the last XXXX weeks only for them to be updated the exact same way a few days ago. 

To date their improper and unlawful reporting has cost me thousands in credit and multiple tradelines. 

They are reporting an account with XXXX XXXX XXXXXXXX that has been paid off for months and closed at my request yet they are showing open with a balance they fixed it and it its back. {$0.00} balance letter attached herein - they claim they verified they did not XXXX XXXX closed and never late proof attached they fixed this multiple times and now its back yet again delete lates immediately XXXX XXXX XXXX XXXXXXXX sold years ago never late they verified on a recorded line yet its still not fixed XXXX XXXX creditor agreed to delete entirely as well as inquiry on XX/XX/XXXX account closed secured account Inquiries duplicate XXXX XXXX  not mine remove XXXX XXXX XXXX XXXX - shows late in XX/XX/XXXX memorandum attached showing it was not
Product: Credit reporting or other personal consumer reports

I have been dealing with a situation for several months now. There are numerous inaccuracies in my credit report, and it has reached a point where legal action will be taken in the next few weeks. I filed for bankruptcy two years ago, and according to the proceedings, everything was supposed to be removed after the two-year mark. However, this has not been done. There are also inaccurate accounts being reported, and the credit agencies are claiming to have verified my bankruptcy with the courts, which is not accurate as courts do not verify such information. Additionally, they are falsely reporting that I am deceased, which has greatly affected my ability to obtain credit. I have made multiple attempts to rectify these issues, and if they are not resolved within the next three weeks, I will be filing lawsuits against Trans Union, XXXX, and the Consumer Financial Protection Bureau ( CFPB ).
Product: Credit reporting or other personal consumer reports

Recently, I reviewed a copy of my credit report and noticed several inaccuracies on my report. This account is hurting my ability to obtain credit. It is my understanding the credit bureaus will investigate this account to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX XXXX  Lender Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stressed and displeased that I see there are fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a breach some months ago so I thought you all would protect my consumer report. This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now for me and my family. Upon looking at my report, I see that a 3rd party company has my information. For you to sell my information is FRAUD and neglectful on your behalf. You all can get sued for these damages. This is negatively effecting my livelihood. I feel your database is inaccurate and I am filing ligation against this.
Product: Mortgage

There is a reported late on XX/XX/2019, I can not find proof in my records ( n=bank statement ) and online with Carrington Mortgage files that there was a late payment for that month. I have called and requested numerous times, the proof of the late payment and I have not recieved proof of that reported information
Product: Credit reporting or other personal consumer reports

I have reached Experian to inform them of the following : A notice to Agent is a notice to principal, and a notice to principal is a notice to agent. 



I have received a copy of my consumer reports and I notice you have furnished transactions on my consumer report that are excluded by law as per the FCRA 15 USC 1681a ( 2 ) a ( 1 ) ; ( 2 ) Exclusions. -- -Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( 1 ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Consumer transactions are excluded from the consumer reports. FICO and or any other RISK score or algorithm that you use to calculate a consumer credit score is not a factor where the consumer report is concerned. Definition of what the consumer report means.

Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing a consumers credit worthiness, credit standing, credit capacity, character general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes, ( B ) employment purposes ; or ( C ) any other purpose authorized under section1681 ( b ) of this title I went on and informed Experian, XXXX, and XXXX that the following accounts are not mines. They are ; XXXX XXXX, XXXX XXXX XXXX.