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

Recently I have been denied credit from lenders based on information received from Equifax Credit Reporting. However, this information IS NOT on my report as such according to the FCRA, I am requesting to know immediately why fraudulent information is given to lenders yet the report records that I have received do not have such information. I have in accordance with FCRA regulations sent numerous letters to Equifax and all credit reporting agencies that they can not can not furnish information that is inaccurate, fraudulent and they continue to violate this request and give lenders information that is NOT on any of the credit reports Equifax has sent to me. The inaccurate and fraudulent citations noted by several lenders, including most recently XXXX XXXX  include : 1. Serious delinquency ( I do not have any on my Equifax report ) 2. Time since delinquency is too recent or unknown ( since I dont have any delinquencies this is incorrect ) 3.  Proportion of balances to credit limits on bank/national revolving accounts is too high ( again this is incorrect as my balances are well within the standard or below standard acceptable percentage ) 4. Too few accounts currently paid as agreed ( all my accounts are in good standing and upon checking my latest Equifax report assistance, there is no negative information to verify this ). This citation is arbitrary by lender, but still is not on the my Equifax report. 

Equifax is the only credit reporting agency that has thus far refused to follow the FCRA statues in either removing fraudulent information and/or providing information that was identified as fraudulent in my identity theft case. My Equifax credit score is considerably lower than ALL other credit reporting agencies by any reasonable standard. Again, this is due to Equifax refusing to follow the FCRA guidelines that the other credit reporting agencies followed and the lenders that were involved and have since removed the fraudulent information. I can not stress enough how severe the damage this has caused my credit scores and I am dumbfounded at Equifax blatant disregard for the federal laws put into place to help consumers combat identity theft and the like. Again, I want to emphasize that of all the credit reporting agencies, lenders, banks, etc that I have notified, written and otherwise contacted throughout this process EQUIFAX is the ONLY company that has refused to follow the guidelines and continues to furnish information that is inaccurate and fraudulent, but the information provided to lenders is not even on my Equifax report! How is this even possible and how can any consumer dispute information that only the Credit Bureau and Lender have access too?
Product: Mortgage

THIS IS THE SECOND TIME THIS HAS HAPPENED XXXX. Logged in on XX/XX/XXXX or XX/XX/XXXX, accessed the payment system, made required selections and submitted the payment.

2. The payment processed but there was no confirmation number ( this has happened before ) and no error message or any indication that the payment did not go through. I moved on to my next task.

3. XXXX month later I logged in again to make my next monthly payment only to find that I had missed a payment. The XXXX payment. 
4. I verified that it did not clear the bank.

5. I immediately contacted Mr. Cooper support and they indicated that the payment was late.

6. When I asked them to check to see when I last access the payment system, I was told that they could not verify that I logged in on XX/XX/XXXX or XXXX since they outsource their IT and would have to request that information. 
7. I was told that Mr. Cooper called several times but I can confirm that I never received a call from Mr. Cooper or NationStar. I told the rep that.

8. The representative said that Mr. Cooper does not show up on " Caller ID '' it would be an XXXX or such number. 
9. I explained that I do not answer calls from " unknown '' numbers because of the potential of spam and scams. There are too many scams and too much spam. If I knew the call was coming from Mr. Cooper I would have answered the phone. 

NOTE : Mr. Cooper 's website is so out of synch it I made the payment discussed above and the site is now telling me I am XXXX payments behind.
Product: Vehicle loan or lease

I refinanced my house and the closing attorney sent check # XXXX in the amount of {$7000.00} to pay off my car loan with Ally Financial but did not put the account # XXXX on it. Ally told them they didnt get it ( even though they did and sent my a overage refund check then stop payment on it ) so the law firm stop payment & reissued & overnighted check # XXXX on XX/XX/20 in the amount of {$6700.00}. Ally has had this check for over 30 days, the check has cleared but Ally has not posted it to my account. They took additional monthly car payments, still show I owe money and have not sent my over payment reimbursement check or title. Allys consumer resolution department tried to resolve it with their payment center and could not get ahold of anybody due to high call volume & a system change. I have called multiple times and No one can help me at Ally Financial XXXX.
Product: Debt collection

They are basing my income off XXXX person income when it should be XXXX.
Product: Money transfer, virtual currency, or money service

My wifes family is in XXXX. We send small amounts of money ( {$100.00} to {$500.00} ) sometimes and just recently when sending {$510.00} to one of the nieces the transaction was declined. I was on vacation in the XXXX and needed to send that person who was living locally in the XXXX. I personally know and have met that person many times and is an honest person. The XXXX agent instructed me to call, a fraud specialist. That person decided that the transaction was somehow fraudulent and that I was probably being pressured into originating the transfer. UNTRUE. That was XXXX XX/XX/2021. I've spoken with Western union 3 times since than and the best I can get is that MY bank ( XXXX XXXX XXXX ) declined to send the money. THATS A LIE. Today, I tried to send {$200.00} ( XXXX ) and a flashing red banner appeared at the top of the Western union web Site " oops something went wrong '' and the transaction can not be completed. Now, I've been marked by Western Union and I am not able to even use their site. I believe this is a case of an OVERZEALOUS FRAUD DEPARTMENT and Western Union is inventing problems so somebody will have a job. Their customer service is in the XXXX. Every time I called XXXX I got the " You cant be too careful, refering to Identity Theft and Fraud maters in the XXXX. I was continually lectured about the fraud problems in the XXXX. I answered ALL their security questions which made no difference. 

These are people I know and Have successfully sent the same individuals money for the past 8 years. Why now and what changed. Just want a straight answer and be allowed to use their service again.
Product: Student loan

I took out a loan originally for just over $ XXXX. It ballooned to over XXXX. I have paid in excess of {$7000.00} to this company. My balance is still over $ XXXX. I WILL NOT pay this company {$42000.00} to pay off a {$9000.00} loan. That is unethical, predatory, and extortion. I have repeatedly tried to get a better rate, to change my payment plan, to find some sort of remedy so I am not getting extorted by this company. They only tell me to pay more money each month. That is an unacceptable answer from a financial institution. This company is a fraud. They can offer no remediation. This needs to stop today.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries on my credit report that were made without my permission. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires my express consent for any hard inquiry. I did not authorize these inquiries, and their presence is both unauthorized and detrimental to my credit profile.
Product: Debt collection

I had an outstanding balance owed to XXXX XXXX, located in XXXX, TX. I went to the apartment community, and arranged a settlement with them to resolve the outstanding balance back in early XXXX of 2018. I am attaching a copy of the arrangement that was made, as well as the proof or payment/receipt, to show the debt was resolved. You can confirm the resolution of this debt with the apartment manager. Her name is XXXX XXXX, and her phone number is XXXX. 

A collection agency named IQ Data International is reporting to XXXX, XXXX, and XXXX XXXX, that I still have an outstanding balance owed to XXXX XXXX. I have tried for four months to get this collection agency to report this debt as resolved, or remove the account from my credit report ; but they refuse to do so. I am also attaching a snap-shot of my XXXX credit report as of today ; which shows that they are still reporting the debt as unpaid. 

I am calling upon your organization to help correct this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Americollect amongst other companies have been repeatedly listing two charges on my credit report from 2014 in an attempt to reage this even after Ive told them that I do not owe it. I do not know this company and Ive never given them consent to release any of my medical records.
Product: Credit card

Received an offer from capital one. 
Offer per mail. Put in my information to see what I qualify for. 
Then I am automatically approved for a card without asking if I want it. Was just seeing what I qualify for. 
I received the card. I activated it. XXXX dollar credit limit. Now I download the app. Old phone number is required. I do not have it. New phone number, new number. Capital One wants my Face ID for verification. Send me an email. It is the same email you keep sending me promotional emails.

Cant get a customer service representative that I can fully understand their XXXX. Want to close account if I cant have access to the app.

Problem is my credit score will be affected. Not fair. All this from them capital one sending me a card when all I wanted to do is check to see what I qualify for.
Product: Credit reporting or other personal consumer reports

unauthorized hard inquiry on my report from XXXX XXXXI did not authorize this inquiry on my transunion report or the inquiry on experian. Both are from XXXX XXXX
Product: Credit card

The week of XX/XX/ I received a Target RedCard in the mail with a credit limit of {$500.00}. I do not shop at Target, and never applied for the store credit card. I called a number I found in the letter accompanying the card, and spoke to the fraud department at Target to have the card canceled and report the incident. They canceled the card and said I will be receiving information about my case in the mail, but I have not received that information yet. They also recommended I report the incident to the FTC.
Product: Checking or savings account

On XXXX I have two fraudulent charges made to my checking account these charges were made via XXXX XXXX online payment to a XXXXXXXX XXXX XXXXXXXX, The Charges were for {$1500.00} and {$1100.00}. I reported the fraud on the morning of XXXX as soon as I woke up and saw the charges. My bank Wells Fargo said they would investigate and that I would not have access to my funds until they completed their investigation. On XXXX there were XXXX more fraudulent charges to my account one was XXXX BANK TRANSFER XXXX in the amount of {$7900.00} and another was XXXXXXXX XXXX XXXX Payment XXXX XXXX in the amount of {$330.00}. These new charges over-drafted my account by over {$5500.00} dollars. Additionally {$830.00} was taken from my savings for overdraft protection to cover the new fraud. I called my bank ( Wells Fargo ) to report the new fraud and to question them as to why they did not take proper precautions to protect my account after I had just reported the fraud the day before. My bank just told me they would add the new charges to the fraud investigation and that I would have to wait for their investigation to clear before I could find out if I would get my funds reimbursed. I am now in a situation of having an overdrawn account from which I have automatic bill payments taken out of including utilities. I believe the bank was negligent in allowing my account to be overdrawn like this after reporting fraud the day before. I am left with no money and they are making me wait for an investigation to determine whether I get my funds. I am in trouble and the bank basically just told me I was out of luck. They offered no financial assistance for my hardship to to what I feel was gross negligence on the part of my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

EQUIFAX XXXX {$7000.00} XXXX  XXXX {$26000.00} XXXX XXXX {$22000.00} XXXX XXXX {$200.00}
Product: Credit reporting or other personal consumer reports

Hello, I have called over 20 times since last year to request access to my credit report, but each time, I have been refused access to my personal credit account. Despite verifying my identity over the phone, I have received numerous excuses such as promises that someone will call me back, claims that the system is down, statements that no supervisor is available, or even being abruptly hung up on.

As an American citizen, I have the right to access my credit report to monitor it, freeze or unfreeze my account, and ensure its accuracy. I kindly request immediate access to my personal credit account as per my rights. 

Here is the error I get every time I try and log in to access my account Oops, we're sorry! 
Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX to XXXX XXXX XXXXXXXX Sat - Sun : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open mortgage with XXXX XXXXXXXX. I had some delinquencies in 2014 but have been current since that time. Both Transunion and XXXX  still show the lates even though by law those are required to fall off after 7 years. XXXX  has removed those lates.
Product: Credit reporting or other personal consumer reports

I am writing to contest and request the immediate removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I have identified several inquiries that were not authorized by me. These inquiries are detrimental to my credit standing and have the potential to significantly impact my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these unauthorized inquiries and have included a copy for your reference. Despite this action, these inquiries continue to be reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I insist that these inquiries be expunged without delay. 


The following inquiries are incorrect : XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>.
Product: Credit reporting or other personal consumer reports

What Happened : Unauthorized Hard Inquiries on My Credit Report Several companies, including XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX, accessed my credit report without my authorization, violating 15 U.S.C. 1681b. 
These unauthorized inquiries have negatively impacted my credit score. 
Failure to Remove Canceled Debt from My Credit Report XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX issued IRS Form 1099-C, indicating debt cancellation, yet they continue to report the accounts as outstanding on my credit report. 
This is a direct violation of 15 U.S.C. 1681s-2, which requires furnishers to accurately update consumer credit reports. 
Failure to Validate Debt After Dispute Requests Under 15 U.S.C. 1692g, I requested debt validation from these creditors, but they failed to provide documentation proving I owe the amounts they are reporting. 
Despite failing to validate the debt, they continue collection and negative reporting, which is unlawful. 
Ongoing Credit and Financial Damage These violations have caused damage to my credit score, financial hardship, and emotional distress. 
The continued misreporting prevents me from securing loans, credit approvals, and financial opportunities.
Product: Credit card or prepaid card

I made a purchased on XXXX marketplace last month. I paid for the item and the seller never shipped the item contacted cash app and did a complaint and they never refunded me so I gave away more than {$100.00} to a person that never shipped out an item. Cash app refuses to refund me.
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 XXXX XXXX XXXX. 

XXXX XXXX - XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX Bankruptcy # XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX XXXXXXXX, & I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX, & I did not give this company or others permission to run my credit report and i declare this a action of fraud and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX, & I did not give this company or others permission to run my credit report and i declare this a action of fraud and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXXXXXX XXXX XXXX XXXX I did not give this company or others permission to run my credit report and i declare this a action of fraud and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX & I did not give this company or others permission to run my credit report and I declare this a action of fraud and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX  XXXX, for Auto financing and i believe this inquiry has aged and is to old to be on my report. I would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX for Auto financing and i believe this inquiry has aged and is to old to be on my report. I would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX and i believe this inquiry has aged and is to old to be on my report. I would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX and I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX XXXX, and I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX, I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted.
Product: Checking or savings account

I lost my phone, and my personal internet account was changed with a password and transferred out {$3500.00} with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX Balance Owed : {$9.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$27000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

On XXXX XXXX 2017 midwest Recovery placed a derogatory item on my credit report without written notification of debt or attempt to collect a debt. I have no idea what this debt is for nor was I given any written notification of such debt before it was placed on my credit bureau report. This is a direct violation of FCRA 623 ( a ) ( 7 ) ( G ) ( i ). I attempted to dispute the debt through the credit bureaus ; however was told that the debt is valid but I am unable to obtain information as to what the debt is for or given the appropriate opportunity to dispute or pay. Based on my credit report information it seems to be a medical bill ending in XXXX and the lender information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. This is a direct reflection of UDAAP specific collection tactics as I should be provided notification before this is reported or at least 30 days after it being reported of what the debt is.
Product: Student loan

After requesting the promissory notes for my private loans, I received them via mail on XXXX XXXX. 

Upon review, I noticed all XXXX promissory notes we're missing signatures by an authorized school official. XXXX of the XXXX notes did not include disbursement dates or amounts. 

None of the promissory notes include a XXXX XXXX statement. 

How can these private loans be valid if XXXX XXXX XXXXXXXXXXXX XXXX XXXX did not do their due diligence in proving that I was eligible for these loans and signing to certify? 

This is all in addition to evidence submitted as part of the School Misconduct application that was denied.