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

The incorrect information pertains to XXXX. My credit was impacted because Equifax is reporting wrong that I am 90 days late yet they are also reporting that I have made 100 percent of my payments. My student loan has been in forbearance and paused due to the Government loan pause on student loans. 
This inaccurate reporting is negatively impacting my credit profile and financial standing. I kindly request that you investigate the matter and take the necessary steps to rectify the situation promptly. 

Despite my previous attempts to resolve this matter through the company involved, the issue remains unresolved and continues to impact my financial standing. 

I have diligently followed the proper channels to address the inaccuracies on my credit report, including contacting both Equifax and XXXX. However, to my disappointment, the situation has not been rectified, and I am left with the burden of incorrect credit information that does not reflect my true creditworthiness. 

I understand the importance of accurate credit reporting for both consumers and credit bureaus. To assist you in resolving this matter efficiently, I have attached relevant documentation that supports my claim. I kindly ask that you conduct a thorough review of my credit report and make the necessary corrections in accordance with the Fair Credit Reporting Act. 
Please keep me informed about the progress of this investigation and any actions taken to address the inaccuracies. I appreciate your attention to this matter and your prompt response.
Product: Checking or savings account

I was presented an offer by CitiBank to open a 'Miles ahead ' savings account with a balance of $ XXXX to earn XXXX American Airlines miles. I have an existing American Airlines credit card through Citi which is why I believe I was targeted with the offer. 

I complied with the terms of the offer but did not receive the miles. I have talked to Citi customer service four times and each time they agree that I qualify and send a inquiry on to their promotion review group. That group then rejects the inquiry and tells me to contact customer support. It feels like a deliberate attempt to scam people. I am a pretty persistent person an I am nearly ready to give up.
Product: Credit card

The bank of issue closed my credit card account due to inactivity therefore possibly causing ill affects to my credit score and report. I did not authorize them to close this free credit card account that was in good standing and I was not notified that such was happening.
Product: Credit reporting, credit repair services, 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. 

XXXX  XXXX. Account XXXX : XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX TEXAS. Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX. XXXX XXXX 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

Hey i am a Co-signer for XXXX XXXX and I need help with my credit report there is alot of errors I received a charge off after a total loss I have proof that the creditor/bank sent me a letter stating the account was paid in full and never received anything regarding a remaining balance they keep reporting the charge off every month I tried to dispute multiple times but they will not correct it they are reporting late payment and the charge off every month which is affecting me a lot the amount of the charge off is {$2400.00} Iam now being harrased by 2 collection agency XXXX XXXX  and XXXX XXXX XXXX I refuse to pay a collection that is not mine or had no knowledge of after my total loss accident since they bank sent me a letter saying As of the date of this letter, your account is considered as paid in full subject to a final accounting and receipt of good funds. please help me pleaseeeeee
Product: Credit card or prepaid card

The company First Source ( XXXX XXXX XXXX XXXX ) has been calling the home of my grandmother ( XXXX XXXX XXXX ) for about 2 months. My aunt who also stays there told me about 3 weeks ago that First Source was calling. She told them that I don't live there. I told her to ignore and don't answer the calls. 
Today XX/XX/2020, I went to visit my grandmother and First Source called again. I called back and asked them " why are you calling my grandmother 's home and it I do not live here. '' The First Source person said, " this is regarding your XXXX   XXXX account '' ( my XXXX XXXX XXXX account was an old debt years ago ). First Source person said, " we can remove the phone number ( XXXX XXXX XXXX - grandmother ) if you gave me your date of birth to determine if you are the correct XXXX XXXX '' then I hung up. 
My grandmother is XXXX years old and her daughter is XXXX years old ( aunt ) they are receiving harassing calls night and day from First Source -- This is outrages!! 
Can something be done to stop/penalize First Source?

Thank you
Product: Checking or savings account

I received a notice in the mail stating someone has attempted to open an account under my name with ally. Which means someone had my private information.
Product: Checking or savings account

My account has been surprisingly under some reviewed, due to me XXXX XXXX making a transfer to my external account. Ive call sent letters request documentation about this matter, but all 's i gotten was a run around speaking to different representees telling me diffident thins daily asking me for my information.
Product: Debt collection

Per 15 USC 1681, you are in violation of my rights to privacy by reporting nonpublic personal information without my permission or consent. I demand immediate deletion of this data and formally opt out of any further reporting of such information
Product: Checking or savings account

XX/XX/XXXX Wells Fargo changed my daily withdrawal limit from {$300.00} to {$1000.00} without my explicit approval to do so. I addressed this issue via the bank and complaint and received confirmation that there will be no further changes to my account without my explicit approval. 
XXXX XXXX XXXX XXXX XXXX ID : XXXX Wells Fargo XXXX ID : XXXX I received a notice on XX/XX/XXXX stating that my wire transfer limit has been increased to {$50000.00} a day without my explicit approval. I do not understand why Wells Fargo continues to remove important safeguards to my account and expose me to losing all my savings through an account breach. 

On top of changing the wire transfer limit without my explicit authorization, on XX/XX/XXXX, Wells Fargo also changed my XXXX transfer amount to {$5000.00}. This would allow anyone who happened to gain access to my account, the ability to take {$5000.00} without any oversight. 

I understand the response will be that XXXX XXXX XXXX XXXX XXXX ID : XXXX was in regards to ATM and this complaint is in regards to wire transfers. That difference is trivial and irrelevant. My account is being changed without my approval and this will cause me XXXX
Product: Credit reporting or other personal consumer reports

I have attached the police report in regards to the fraudulent inquiries on my consumer credit report and the fraudulent XXXX XXXX  account. 
I have attached pictures as well.
Product: Vehicle loan or lease

On XX/XX/2024. I made XXXX payments to Southeast Toyota Finance for {$430.00} and {$830.00}. The due date is XX/XX/2024. These accounts are validated showing payment to them from my XXXX XXXXXXXX XXXX  ending in XXXX. 

We received a statement dated XX/XX/2024 that we owe an additional XXXX which they are trying to double bill us for. In addition, they added a late fee of {$180.00} to it. After speaking with an agent there, my husband was told they could not find any payments even though we can show it occurred. Now, this is fraud based on them as well as extortion. If we can show we paid, and they want to double the amount when everything was done timely, they intend to take more than what is required. 

We want this to be public so others who are associated with STF will know what they do and to know they have tried to extort others in their corrupt practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT UNDERSTAND THE REASON AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS ( XXXX   XXXX  WITH A BALANCE OF XXXX AND 120 DAY LATE PAYMENTS ). IT IS REALLY AFFECTING THE OVERALL GOALS I WANT TO ACHIEVE. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING THIS ACCOUNT FROM MY CREDIT REPORT AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW THE REASON AS TO WHY THIS IS STILL REFLECTING.
Product: Credit card or prepaid card

There are several accounts showing on my credit report with activity ( both charges and payments ) I am not responsible for. These accounts are unknown to me, and I was not aware of the debt until I viewed a credit report earlier last year, and then began disputing. I have repeatedly given them FTC reports, and disputed with credit bureaus and it is not getting resolved. They send dismissive letters that do not adhere to the FTC notice to furnishers regarding my rights. They do not send the application and receipts ( proof ), delayed closing the accounts, and basically just ignore the requests I make or dismiss them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My concern is that as a Federally Protected consumer under title 15 Chapter 41 I am being violated. Pursuant to 15 USC 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY PROFILE : 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 XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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
Product: Credit card

Thank you for contacting the XXXX XXXX and removing the XX/XX/2024 delinquency from my credit report. Also thank you for crediting my account with the late fees. You did not increase my credit limit. I submitted a request online, and I received a letter denying the increase because I must establish timely, consistent payments. I would be happy to have you look at my current credit agency report to see the timely payments that I have been making. There was no wayXX/XX/XXXX do this online or in the letter that you sent. I would like you to increase my credit card limit to what it was before the unfortunate event of XX/XX/2024. Also please increase the credit limit on the XXXX other XXXX credit cards that were lowered due to this XXXX issues in XXXX, XXXX XXXX XX/XX/XXXXXXXX. My credit is Very Good, but I believe it will be restored to Excellent, if my credit limits are made whole and returned to the previous amounts. I have not received a bill from the XXXX, for XXXX or XXXX, despite receiving the information about my credit card denial from XXXX. Please look into this. thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Nothing really happing I 'm a really good hard working lady..I give my all to how things come at me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had express for months of the inaccurate information that Experian has included on my credit file. I have been in contact with Experian regarding an inaccurate reporting account. You're required to obtain verification from the DATA FURNISHER and the court told me that they don't verify with you, so HOW is anything else considered legal verification? On XX/XX/2021, I uploaded documentation to Experian from XXXX XXXX which is a third party/vendor, stated that the file of the public records was inaccurate. 
Therefore on your file the court name is not accurate - each bureau must report the actual name of the court, followed by [ city, state ]. Remove immediately. 
So I am included the correct name of the U.S. Bankruptcy Court Western District of Texas ( XXXX ) Bankruptcy Petition # : XXXX Experian has listed the file US BKPT CT TX XXXX
Product: Debt collection

Credence Resource Management is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credict reporting ( account name fair collections and out account number # XXXX ), ( account name XXXX XXXX XXXX account # XXXX ), ( account name XXXX XXXX account # XXXX ), and ( account name XXXX XXXX account # 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 accout without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to place a security freeze on my First Advantage consumer report via email since at least May and I've been ignored three times already. I first called and was provided a form to fill out along with supplying a form of identification and proof of address. I sent all of the documents to XXXX as instructed to and I've never heard a response back. I've tried calling again, but their phone support doesn't process or have access to security freezes.
Product: Mortgage

My mortgage provider is LOANCARE https : //www.myloancare.com/ I already paid the mortgage on XX/XX/XXXX for the amount of XXXX. I accidentally paid it again on XX/XX/XXXX {$3000.00} so i called Loan Care on XX/XX/XXXX for reversal and they weren't able to help me and asked me to call next day once it has posted. On XX/XX/XXXX, i called again and was transferred to XXXX supervisor XXXX employee # XXXX XXXX on XX/XX/XXXX and was told I would be issued a refund. On XX/XX/XXXX, the mortgage provider attempted to charge me again {$3000.00}. At this point my whole bank got wiped out completely for another charge and i have no funds left in my bank and it has XXXX on it. I was charged 3x. The check for XXXX will not arrive until 7-10 days and when i asked for proof that they mailed me back a check, there is no tracking number. But then now i have another new charge of {$3000.00} on XX/XX/XXXX. I spoke to XXXX Supervisor again today XX/XX/XXXX ( employee XXXX ) and I was told to send a copy of the attempted charge AGAIN on my bank TODAY XX/XX/XXXX for the mortgage. I tried to call again 3x after emailing the screen shot of the charge and they would always put me on hold and the call will drop. Horrible customer service and the fact that they couldn't issue immediate reversal of charge electronically and have to issue checks is absurd. In this time of pandemic every XXXX matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX REFUED TO INVESTIGATE AND ACCOUNT THATS DO NOT BELONGS TO ME BUT WAS USED TO PAYA XXXX ACCOUNT FROM XXXX ACCOUNT CLEARLY NOT MY ACCOUNT XXXX SAY I AM4 MONTHS BEHIND ON PAYMENT MY SCORE DROPPED 50 POINT THIS IS NOT MY ACCPUNT NEITHER ONE
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; US DEPT OF EDXXXX XXXX ... XXXX 
{$12000.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX .... Balance : {$2200.00} ; XXXX  XXXX .... XXXX : - ; XXXX XXXX  XXXX .... Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX {$670.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1500.00} ; XXXX XXXXXXXX XXXX Balance : {$7300.00} ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX via XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an incorrect bankruptcy on my credit report. I have contacted them a few times to get it removed and nothing has been removed yet. It should not be there and the bankruptcy court has already let me know they did Not report this information so they do not know why it is there. and the bureau claims the court reported it but this is false and I have a letter from bankruptcy court proving they did not report, validate or authorize this so it needs to be removed
Product: Credit reporting

Per my TransUnion letter dated XXXX/XXXX/2015, XXXX XXXX XXXX account # XXXX was deleted off my credit file. I pulled a new credit report on XXXX/XXXX/2015 and the XXXX XXXX is still being reported by TransUnion and affecting my scores negatively. This account has been closed and paid.
Product: Debt collection

I asked this debt collector to cease and desist reporting this allege debt from my credit report as this is affecting my way of living, character, and ability to get new credit. I have provide written notification for them to cease reporting this on my credit report but they are disregarding my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts that are fraud, they arent even with the particular companies and I Told XXXX XXXX and XXXX  about the problem. I sent proof over and the bureaus are still reporting the accounts. XXXX and XXXX says the account is in good standing and Trans union says that it is removed but i bought 4 new credit reports since then and i still see them! According to 3 consumer laws these accounts should be removed due to fraud and not belonging to me. 

XXXX and XXXX XXXX on Trans union need to be removed.
Product: Checking or savings account

Wells Fargo Bank closed my account and didn't let me know on XXXX. There was XXXX $ still in the account and numerous unauthorized transactions, which I disputed, and was informed by e-mail through Wells Fargo that they were being put back into my account. They won't let me back into the account to find a exact amount, it's around XXXX to XXXX XXXX I have contacted them XXXX times by phone and e-mail and I still don't have my money. I want my money.
Product: Credit reporting or other personal consumer reports

Transunion continue to refuse to remove these XXXX fraudulent addresses from my Transunion credit report after recent numerous disputes : 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 I never lived at these addresses. 

These addresses are currently on my Transunion credit report as of XX/XX/year>. Transunion is allowing these XXXX fraudulent addresses to continue to remain on my Transunion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been paid off in full but does not reflect.
Product: Credit reporting or other personal consumer reports

Between XXXX XXXX, XXXX and XX/XX/year>, an inquiry made by CREDIT TECHNOLOGY was added to my credit report. 
I did NOT authorize credit check or inquiry for this company. 
I have not applied for any applications for a new apartment, phone or utilities account.