23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The collection account for JHPDE FINANCE I , LLC debt is beyond the statue of limitation in Illinois and should be removed according to Illinois law.
Product: Credit reporting or other personal consumer reports

Asked XXXX XXXX for proof of payoff because I paid the account off and when I asked them, they told me they didnt have any proof and it is also stated on my credit report as no information
Product: Credit reporting or other personal consumer reports

XXXX had a data breach and I'm a victim Here my engagement code : XXXX Delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by a debt collector to get a payment for my account but then they were also trying to get me to pay for a different debt which wasn't even for me. The agency didn't give me any information on what they were collecting. They were getting upset because I was asking questions, I was only trying to figure out what was going on. I also would ask them to explain some of the words he was using as I am not familiar with them, it would only upset the man on the phone. Then after I had bombarded him with questions he looked into it and found out that account wasn't even mine! I didn't even get an apology for it, if I wouldn't have asked I would have been scammed into paying someone else 's debt. I not only think this was fairly inappropriate but also violates XXXX.
Product: Money transfer, virtual currency, or money service

Zelle : have zell through my banks app. Tried to use for transaction on XXXX to send payment for a local purchase of {$450.00} ... ... the payment didnt go though, seller never got confirmation nor did I despite entering all info correctly. Subsequently had to cancel the transaction so that I could pay the seller by another means ( paid XXXX with no issues ). I was charged a {$30.00} cancellation fee by zelle. My bank ( XXXX XXXX  ) was no help, nothing they can do. Zelle customer service directed me back to my bank. I suspect others have had similar issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I returned the leased car to the XXXX dealership in XXXX XXXX, CA as it was the last day of my lease. I even called the XXXX XXXX to let them know that I have returned the car as I was required to do so. 
Fast forward, on XX/XX/XXXX or XX/XX/XXXX I received an update notification from XXXX in regards to my credit report. After checking the report, I realized the false delinquency report generated from the XXXX XXXX. Then, I checked my XXXX XXXX account online to surprisingly/shockingly find out that I've been charged monthly beyond the official end of contract which was XX/XX/XXXX. 
After numerous ( I mean numerous ) calls and emails to XXXX XXXX and lots of stress and being provided with lots of different information and department transfers and on multiple occasions being held on a long hold and then being hung up on. After nearly more than two weeks XXXX got rid of my false reported balance of more {$500.00}. Then They promised me to also fix the wrong report to XXXX  and Transunion. Which they never delivered and they ultimately asked me to do that, too!!!! 
1. I did file a dispute with both XXXX  and Transunion and they both denied my dispute! I don't even think they did anything to fix my report and to help me. This is very scary and disappointing and it causes me to think that why these companies should have so much power and influence on my life, yet they are unorganized and very poorly run. 
2. I have reach out to XXXX XXXX again, because once again there is an automatic monthly charge for me! and also I have asked them to do whatever they have to do to fix my credit report. I haven't heard from them. 
3. Why leasing a car and returning a lease car should be like this and create so much stress and financial disasters for me ( I can't show my credit any where anymore and I have gotten a rejection for rentals, etc ... ). now after all these events, where is the justice, why should XXXX not get penalized for this? ( I know that I would easily be penalized, punished or even send to jail if I fail to pay a wear and tear ) this is not fair. 
Please help me, you are my last resort ( I even called attorney and nobody takes my case, because there is no money in it, this is a shame ). 
Thank you
Product: Debt collection

My identity was shared in a Data Breach and Im requesting to have information deleted off my credit report, charged offs and negative items removed.
Product: Debt collection

This debt collector calls from XXXX and have been calling family members saying I have a debt and if I dont contact them I will be in a legal battle. My family have the recordings and dates of these harassing calls. I have not ever received any letters pertaining to such debt and in addition they address me using my married name which I have stopped using in all legal ways since my divorce 15 yrs ago. 

I did call them today to ask what this is all about and when I mentioned I havent carried that name in 15 yrs this representative wanted me to tell them my date of birth which I refused being they still havent told me the reason of the calls plus told them its illegal to disclose a debt to third parties. This representative cursed me and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested an investigation, by mail, for inquiries over 30 days ago, and have not had a response from transunion for these inquiries below : The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/2023 Please remove it from my credit report. 

The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested On XX/XX/2023 Please remove it from my credit report. 

The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the incorrect information regarding the amount of {$27000.00} on the year of XXXX, {$1900.00} that reported in XXXX, {$3300.00} also on XXXX, {$2600.00} in XXXX, {$1600.00} in XXXX, {$1100.00} in XXXX, {$9900.00} in XXXX, {$4000.00} in XXXX, {$5200.00} in XXXX, {$9500.00} in XXXX. The three credit bureau 's have also failed to respond within 30 days of my disputes in the past.
Product: Checking or savings account

Wells Fargo overdraft fees, unable to remove money from my bank account when needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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

Infiniti Financial Services XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX Acct : XXXX XXXX XXXX Vehicle XXXX XXXX XXXX XXXX Lease amount : {$390.00} Infiniti Financial incorrectly reported that I was 30 day late with my XX/XX/XXXX payment. On XX/XX/XXXX, I called Infiniti financial to make a payment over the telephone and to request to extend my lease to XX/XX/XXXX. When I called I tried to make a payment over the phone, but the representative told me the system was not working to accept the payment. The representative advised me to call later or to make the payment online. 

I made my XXXX XXXX payment online, on XX/XX/XXXX. I was not more than 30 days late. Payment was made XX/XX/XXXX, but Infiniti payment system did not properly process the payment on time. I should not be punished, and suffered the consequences of having a 30 day late payment history on my credit report for 7 years, for Infiniti 's own mistake. It is not fair. 

I called and tried to explained this to Infiniti. Instead, I was mocked by the representative, who told me I was lying and that the company couldn't do anything. 

I should not bear this negative information, just because the company 's own failure to correct its system. I need you're help in reversing this incorrect, 30 days late payment on credit report. 

Another issue, is that even though I paid, XX/XX/XXXX and now XX/XX/XXXX 's payment. Infiniti reports on my credit, that I owe, XX/XX/XXXX and XX/XX/XXXX 's payment. When I asked why, I was explained that they charge in advance and this is why my credit reflects two payments instead of one. This inaccurate information negatively impacts my credit, because it seems that I two payments behind, when I am not. 

Third, I have requested more than 2 months ago, proof that Infiniti paid 2 parking tickets, I already paid. I called the company numerous time. Every time, I called I get the same answer : " We have requested the information from the Accounting Department. It takes 2 weeks to get it. Once  available, we will mail it to you. '' It's been more than 2 months and I have not yet received anything. 

I appreciate any help in solving these issues. I have tried to talk to Infiniti, without any success. The company is not willing to help. Since XXXX, when I took this lease, I have made payments on time. I have 3 years of on time payment history. I was not late on my XXXX XXXX payment. I should not bear the cost of 7 years of negative, incorrect information, when the company is at fault. 

Thanks,
Product: Debt collection

IC system has been reporting on my credit report for a {$760.00} XXXX bill Ive never had t-mobile account or an account with IC systems they are hurting my credit score
Product: Checking or savings account

I was a customer of Wells Fargo from approx XXXX thru XXXX. 
I was overcharged for {$35.00} fees that ran into $ XXXX of dollars. 

In XXXX approx I lost my cell phone with all my banking info on it and someone used it to the point of putting me in the negative $ XXXX {$2500.00}. I talked to the bank & filed a report and they would not help me in anyway. I wasn't able to pay bills for over a month or eat etc. 

I feel very strongly that Wells Fargo took advantage of me & other customers. 

I Pray there is some way you can help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  Transunion and XXXX  doesnt have permission to report on my credit report the information inaccurate and I requested it to be removed Bankruptcy Court doesnt report to these companies however the searches for public reporting and they add information to my credit report third party billing company
Product: Credit reporting or other personal consumer reports

With in 10 minutes experian sent me 2 emails saying they have closed complaints without resolving the issue
Product: Credit reporting or other personal consumer reports

Hi again with Equifax My student loan with XXXX is paid off I got an email stating a new loan was posted to my account they posted it under Missouri Higher Education Loan I do not have a loan with Missouri Higher Education can you please assist with that being removed off my credit report
Product: Credit card

I was seeking to purchase a plastic XXXX XXXX from XXXX XXXX. I measured my dog  and made the purchase online for a XXXX XXXX XXXX XXXX. I made the purchase through a company they do business with Affirm. XXXX XXXX  called me to confirm the order and at the time of the call the representative at XXXX XXXX told me that my dog was in between sizes so I needed to order the XXXX XXXX XXXXXXXX. When the XXXX  arrived it was large enough for a human and not feasible to bury in a small size backyard. The casket was far too large for my small XXXX dog. I had to return the XXXX. I was advised by XXXX that I had to order the smaller size before they would send me a return label to send the other XXXX  back. I did that and they charged me a {$180.00} fee on a {$390.00} purchase indicating that it was a 30 % restock fee. When I received the second XXXX  it was not the right color. I ordered pink and I received an almond XXXX and the XXXX  sides were not secure allowing bugs to get all over the dog prior to burial. When I called to complain about the XXXX being the wrong size and being poor quality, I was advised that the company sometimes makes mistakes but that if I needed to return the casket it would be another 30 % restock fee. 

This was approximately ten days after the dog passed away, so I had to bury the animal. Then instead of receiving one bill from Affirm I was then sent two bills for the same amount every month totaling over XXXX dollars far more than the {$32.00} I agreed to pay. The company advised that XXXX did not refund the entire first invoice so they were not able to combine the bills into one I would have to make two payments.

I did not agree to make two separate account payments for XXXX XXXX. The owner of XXXX XXXX is not willing to take responsibility for the errors that his staff caused through their recommendations. They also have no interest in making sure that the consumer actually gets what they ordered no what they accidentally sent. I have never had an experience where a simple {$300.00} plastic box ends up being a purchase of over {$600.00} dollars. It seems like these two companies are working together to misdirect consumers because they can not see the actual purchase prior to making it and then refusing to assist with resolution of problems. 

I quite simply asked this company to combine the actual cost of the XXXX  and whatever restock fees this company placed on the account, and they refuse to do this charging additional interest for two separate accounts. The company also indicated at the time of purchase that there was no interest and XXXX XXXX is indicating that they did not bill the amount Affirm is charging they added interest. I have not been able to get an invoice from either company showing what the actual charges are for. They are billing for the initial XXXX  that was returned and showing only a partial refund. The entire first invoice should be refunded and the restock fee should be billed as that not as the initial XXXX  which was returned to XXXX.
Product: Money transfer, virtual currency, or money service

On Saturday, XX/XX/year>, I received a {$50.00} birthday gift via CashApp from my father. I purchased a new phone and transferred all my apps, including CashApp. On XXXX XXXX, when I tried to log in, I was informed my account had been closed without any warning or explanation. 

Since XX/XX/XXXX, Ive contacted CashApp multiple times via their in-app chat, phone calls, XXXX, and XXXX. Each time, Ive only received canned responses and no clear reason for the closure. I was asked to submit verification forms, which I have done multiple times, but received no follow-up or resolution. 

On XX/XX/year>, a CashApp Support Manager named XXXX emailed me, stating my case had been escalated, but no further updates have been provided since then. On XX/XX/XXXX, I called CashApp support and spoke to a manager who stated that the account closure decision was final but refused to give me specific reasons as to why my account was closed. 

This situation has caused significant disruption to my personal and financial life, as I use CashApp to send and receive money from family and friends, including payments for important obligations like an engine payment to my mother. Additionally, I had a limited-edition XXXX XXXX CashApp Card that I paid for, which is now inaccessible and irreplaceable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is the second formal complaint that you are reporting inaccurate credit information. I disputed the account on XX/XX/2022. I have not received a response and you are in noncompliance with the FCRA.

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a Home loan to refinance, which was highly embarrassing, has negatively impacted my lifestyle, as well as is now depleting my personal finances. Time is running out.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was permanently deleted from my XXXX reports and they transferred this account to a collection agency as a sold debt without my consent to sell my personal information. There are many violations according to FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occassions I have contacted XXXX to verify and VALIDATE the allegied bankruptcy that is being reported on my credit profile. They always come back saying it has been verified but never validated!. I have a letter from the bankruptcy courts saying they do not give out that information so inorder for them to be reporting CORRECTLY per FCRA REQUIREMENTS that in fact XXXX XXXX XXXX is the one thats showing as whom is reporting it and they ARE NOT. XXXX XXXX lies and to catch them in a lie I contacted on XX/XX/17 LexisNexis and they tell me they get their information from XXXX but yet XXXX states they get it from LexisNexis. They are caught in a lie and they are NOT upholding the FCRA REQUIREMENTS.
Product: Credit card or prepaid card

I have currently been paying my CareCredit/Synchrony Bank credit card ON TIME/autopay for YEARS and then paid an additional {$250.00} last month, with remaining balance of XXXX. Today XX/XX/2020 they lowered my limit to XXXX forcing my credit score to be dropped by XXXX POINTS!!!!! This should be ILLEGAL!!! 
It is so UNFAIR to consumers that have been an excellent customer for years! 
I have been working hard to correct errors on my credit reports and now they have ruined my all my hard work!
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX THE FURNISHING ON THIS ACCOUNT IS NOT % 100 COMPLETE AND ACCURATE REMOVE THIS INCOMPLETE & INACCURATE ACCOUNT DUE TO VIOLATIONS OF THE FCRA, ACCOUNT IS NOT % 100 COMPLETE AND ACCURATE!!! Closed Date : XX/XX/XXXX IS WRONG DATE!!! INACCURATE The " Closed Date '' on this Account is Completely Wrong, its over a year off, They Changed my Closed Date Multiple Times Negatively affecting the Time it stays on my report. ACTUAL REAL CLOSED DATE IS XX/XX/XXXX. 
THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX, THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX. 

Two-Year Payment History : INACCURATE & INCOMPLETE The absence of information in the " Two-Year Payment History '' section is notable. If there have been payments or activities within the last two years, they should be accurately reported.

Dispute Status : INACCURATE & INCOMPLETE Dispute Status says NOT IN DISPUTE, even though I Disputed this account countless times due to WRONG CLOSED DATE & other Inaccuracies.
Product: Credit reporting or other personal consumer reports

Equifax removed XXXX points on a account that went from XXXX to XXXX. It shouldn't went up XXXX plus points or more per consumer law point status. My credit report has been abused with this bureau for a long time.
Product: Credit reporting or other personal consumer reports

I have filed XXXX disputes in XXXX and XX/XX/year> regarding XXXX XXXX inaccurately reporting on my credit report additionally I provided supporting documentation showing XXXX XXXX was not included in the bankruptcy. I spoke with XXXX and they closed the account because they received notification my XXXX XXXX was discharged but they were never involved. They opted to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, Acct # XXXX, and XXXX XXXX XXXX, Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions