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

This is an update to my existing complaint against Discover Bank, case number XXXX, regarding an unjustified hard inquiry, denial of credit access, and now an inaccurate adverse action notice. 

As detailed in my original complaint, Discover conducted a hard inquiry on my credit report six weeks after I abandoned my application for a secured credit card due to their system 's inability to process it. They subsequently denied my application based on outdated information, including my acquisition of credit elsewhere, which I was forced to pursue because of Discover 's failure to process my application in a timely manner. 

I have since received a response from Discover ( attached ) in which they refuse to remove the hard inquiry and essentially blame me for the delay. However, I have discovered a critical error that further demonstrates Discover 's negligence and potential violations of consumer protection laws. 

Inaccurate Adverse Action Notice : The adverse action letter provided by Discover is for the Discover It Chrome card, which is not the secured credit card I applied for. This error reveals a significant flaw in Discover 's handling of my application and credit information. 

This inaccuracy raises serious concerns : FCRA Violation : Providing an adverse action notice with incorrect information could violate the Fair Credit Reporting Act ( FCRA ), which requires accurate and specific reasons for credit denial. 
Negligence and Lack of Due Diligence : This error highlights Discover 's negligence and lack of attention to detail, further supporting my claim that they are not adhering to responsible credit reporting and lending practices. 
Misrepresentation and Deception : Issuing an inaccurate adverse action notice misrepresents the true nature of the credit decision and could be considered deceptive under consumer protection laws.
Product: Credit reporting or other personal consumer reports

I have contacted each company for the inaccuracy on my consumer report. The activity date, account being removed off of XXXX. It was removed due to identity theft. Also date of last active I have never made any payments on this account and it's not associated with any address that I have listed on my credit report. Account XXXX last reported dates XXXX and Equifax as inaccurate dates listed along with last date of payment is inaccurate these are showing all type of inaccuracies all across my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all of these are showing inaccurate information and there for to be removed from my credit report. Equifax and XXXX dates and amounts do not match up activity and payment dates show several inaccuracies. Date of last reported is error too. Your investigation of verified has damage my account and reputation for these accounts and I have provide all the pictures and evidence to provide to the XXXX  I have to send over an audit to IRS for your purpose missed investigation for many years allowing these errors to remain on my credit report and placing them back on my credit report as well. XXXX has dates that are incorrect dates and I have not did any business with this company. XXXX AS WELL IS INCORRECT DATE OPENED WRONG LAST REPORTED ALL WRONG XX/XX/XXXX XX/XX/XXXX LAST DATE ACTIVE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX LOOK AT THE ERRORS LISTED AND YOU CONTINUED TO REMAIN AND PLACE THE ERROR ON MY CONSUMER REPORTERD THEWY ARE TO BE REMOVEDF IMMEDIAELY. THESE ACCOUNTS ARE REMOVED ON THE OTHER CREDIT AGENCIES I HAVE PLACED ALL THE MISTAKES XXXX, XXXX, XXXX XXXX ACCOUNTS, DEPT OF XXXX THE DATES OF ACTIVITY, DATE OF PAYMENT, DATE OF ACTIVITY, ALL OF THE DATES ARE DIFFERENT AND INCORRECT.
Product: Debt collection

On XXXX I went in to work and was told that a man named XXXX had been repeatedly calling and asking for me. My co workers stated they would tell him that I was off, and he would call back an hour later. He called several times a day over the course of 2 days that I was off. He called around XXXX pm, and I answered the phone. He told me was with XXXX XXXX and he was trying to collect a debt. I asked him to not call me at work, and he stated he was unable to get a hold of me on my personal phone, and he was left with no option. I told him I would call him after I got off work, asked for his phone number. I then hung up. He immediatley called back to my work, and said if I take care of this today the calls would stop. I am steady asking him not to call my work. He continued to say he would call as often as necessary to get this debt taken care of. I literally begged him to leave me alone, I said I can not do this at my job. I agreed to the terms he requested for repayment and said I will call after I get off to set this up. I told him I do not have my bank account information with me. He said that he would not get off the phone until he had set up payment arrangements. He then started to read my credit report to me, and asked what my employer would think about it. At this point I am XXXX, and said you are going to make me XXXX XXXX XXXX. He responded, that 's not necessary, just take care of this and the calls will stop. I did not have my banking information to set this up, and I could not hang up or he would call right back. All of my co workers and boss were looking at me, I just stopped talking. He eventually hung up on me, and did not call back that day. He had me on the phone at my work for over 30 minutes. I can not lose my job, and I am terrified the calls will start again Monday.
Product: Credit reporting or other personal consumer reports

Equifax is in violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] :
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed an identity fraud complaint, which permanently removed a fraudulent XXXX XXXX XXXX account from my credit report. This account, which had an alleged balance of approximately {$14000.00}, was removed after it was determined to be the result of identity theft. Despite the confirmed deletion, I recently discovered it had been reinserted into my credit report without any notification or proper investigation. 

I had taken the appropriate steps by filing the initial identity fraud complaint ( CFPB Complaint ID XXXX ), which was closed on XX/XX/year>. The reappearance of this account is a clear violation of the Fair Credit Reporting Act, as it should have remained permanently deleted. I have not received any correspondence explaining this reinsertion, nor have I been allowed to dispute it again through the proper channels. 

Due to these issues, I am now escalating the matter and requesting that the account be permanently removed in compliance with FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Creditor - XXXX XXXX XXXX  XXXX Amount : {$630.00} Collection Company - XXXX XXXX XXXX This account I've been fighting for a few years now. This was not opened by me! Its not my responsibility. I'm not sure what or how it was verified. This is not done by me and needs to be off of my credit report immediately.
Product: Checking or savings account

I received a letter addressed to me from Regions Bank at my home address regarding a debit of XXXX against checking account number XXXX on XX/XX/2021. The debit was taken to satisfy debt in the amount of XXXX due and owing by one of the owners of the account on another account with Regions bank. I went into a local Regions bank branch and spoke with Branch Manager XXXX XXXX in the XXXX GA branch at XXXX XXXX XXXX XXXX. He stated that there were two checking accounts and two savings accounts opened in my name using my actual social security number and date of birth and address. The email used was not my email " XXXX '' and a name of " XXXX XXXX '' was also listed on the account. There was activity of deposits from " XXXX '' of XXXX with serial number XXXX on XX/XX/2021. There were payments to XXXX of XXXX in my name with a trace # XXXX on XX/XX/2021 and customer id of XXXX. There was an XXXX payment to XXXX XXXX Customer ID XXXX on XX/XX/XXXX, XXXXRegions has red flagged the bank accounts and I have emailed XXXX, XXXX, and in the process of getting a PIN number from IRS for my tax filing. My office number is XXXX and email is XXXX. I have filed a police report with the XXXX XXXX XXXX XXXX case number XXXX
Product: Credit card or prepaid card

previously disputed account through CFPB reference number XXXX and results came back still inaccurate. I have been asking for verification on debt you claim is mine. Results to CFPB dispute came back with a bill statement but bill statement is not a way of verification. Bill statement that was provided as results of verification states credit limit as {$250.00} and balance shows to be {$390.00} at one point and {$480.00} on different bill statement this is not possible. There is no way that balance is higher than credit limit.. I ask that you please provide information on how you claim that account belongs to me. What method was being used to make payments, and what other method is being used to verify that debt belongs to me? As of right now account is still in accurate and I ask that you delete immediately if you can not provide accurate information.
Product: Debt collection

Well first I told them not to call me at work. They have called me in a Sunday at XXXX. They also call me after XXXX which by law they are not suppose to. They also have never identified their company or the fact that they are attempting to collect a debt which by law they are suppose to do so as well.
Product: Credit card or prepaid card

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2020 for 30 days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  shows I still have a open dispute for XXXX dollars. I paid the XXXX dollars in XX/XX/XXXX the report was never removed after being assured by 2 other people and it ruined my chances of getting a house. I was declined the opportunity. This is unacceptable I would like to move further in life knowing I can get a home of my own. Please help my Im on a very limited amount of time and would like a home of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute XX/XX/XXXX at XXXX. At XXXX same day, I received an email that my dispute has been updated. How can there be an investigation that quick? Most companies arent even open until best case scenario XXXX. There are errors on my credit report that should be removed.
Product: Credit card or prepaid card

On XX/XX/2021, I was hacked with instructions to buy XXXX gift cards in order to release my bank account. I bought the XXXX gift cards and scanned them into the computer as instructed, to find out that it was a scam. 
The XXXX gift cards were purchased using my Discover credit card ending in # XXXX. 
When I contacted Discover to reverse the charge, Discover responded that " it has been determined that no fraud occurred... You will be responsible for the entire balance on the account ... '' As such, I paid the balance, despite the dispute, so that interest would not continue to run. 

I filed a Victims ' Report with the XXXX XXXX Police Department, Fraud Unit, Case # XXXX. 
Attached is the letter from Discover and the Victim 's Report. 
The amounts involve two charges, one for {$10000.00} and another for {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

am writing to request the removal of unauthorized credit inquiries on my XXXX  credit report. My latest credit report shows three ( 3 ) inquiries that I did not authorize.
Product: Credit reporting or other personal consumer reports

According to the FCRA ( 15 USC 1681b ) credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. The company XXXX XXXX reportedly opened a account on XX/XX/XXXX without my knowledge or permission and has not provided any validation of this debt to me. The company XXXX XXXX reportedly opened a account on XX/XX/XXXX without my knowledge or permission and has also failed to provide me with the validity of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Kentucky XXXX Email Address XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Discover Account ) has violated several of my rights 15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy 15 U.S.C.1681 Section 602 A Section 2 : It's also state consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A Creditor may not a payment on a credit card account under open and consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in Direct Violation of several laws under The Fair Credit Reporting Act
Product: Credit card or prepaid card

This a new credit card. A charge of {$220.00} was due and unpaid on XX/XX/XXXX. On the next ( XX/XX/XXXX ) statement, a {$27.00} fee was charged plus {$5.00} in interest, which together with the previous balance and new charges reflected that payment in full of {$800.00} was due on XX/XX/XXXX. One week before the due date, I called the credit card company, confirmed that the total due on XX/XX/XXXX including all interest and fees was {$800.00}, and authorized ACH payment from my checking account. Pursuant to the statement, that should have resulted in a XXXX balance. On XX/XX/XXXX ( after the billing cutoff for the prior month ), I charged XXXX in purchases. On my next ( XX/XX/XXXX ) statement, in addition to that purchase, interest was again charged in the amount of {$6.00} ( more than the one month of interest that was already paid ). When I sought an explanation from the credit card company, '' XXXX '' told me that this was interest going back to XX/XX/XXXX. Because the credit card company refused to acknowledge any error and presumably consistently applies this fraudulent practice, I have cancelled the card and paid {$26.00}.
Product: Debt collection

Reached out to property manager over a year ago on three different occasions and was advised I would not be responsible for this account or any debt owed to this creditor as I've never resided at the address associated with this account.
Product: Credit reporting

Equifax is reporting a fraudulent credit inquiry. I have informed them several times that this inquiry is fraudulent, and they continue to report it. The fraudulent inquiry was entered on XXXX/XXXX/16 by XXXX, as an identity thief attempted to open a new account using my information. I have filed a police report specifically regarding this inquiry, and had an Extended Fraud Alert added to all XXXX credit bureaus, all of which Equifax has been made aware of ; and yet they still have not removed the fraudulent information from my report after repeated requests.
Product: Credit card or prepaid card

I went to American Express website to extend credit to myself through their services and they have discriminated against me under the Equal Credit Opportunity Act. They are denying me my right to credit per the Truth In Lending Act 15 USC 1602 ( l ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent two dispute letters out to Experian Credit Bureau regarding the accuracy of the account ( XXXX XXXX XXXX ) that they are reporting on my credit report. The first dispute letter was sent last year in XXXX, XXXX and the second letter was sent this pass XXXX, XXXX. Both letters were unanswered and has been over 60 days and yet I wasn't provide with any proof of the investigation was even in progress or the results of the investigation. I try contacting them via phone to ask for proof of the investigation or results but was told that they were unable to provide any proof or documentation regarding the results of the investigation on this account. 

My Dispute : If they do not have any documentation in there files to verify the accuracy of these disputed accounts then they must be delete immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i )
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem I'm having is 16 hard credit inquiries in just over a years time. I have very good reason to believe my identity was stolen although never noticed being my credit score has been on the low end for quite a while. But the hard inquiries are as follows : OneMain - XX/XX/XXXX Springleaf - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX One Main - XX/XX/XXXX Spring leaf - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX This is absolutely ridiculous!
Product: Debt collection

Portfolio Recovery Associates , LLC. has contacted me over 20 times over the past 3 months in an attempt to collect a previous debt. Each time they have contacted me, they have utilized various phone numbers in efforts to get me to answer the phone. Each representative has been asked to provide me with information regarding my debt to be mailed to me via USPS. I have verified they have the correct physical address where I receive mail. To date, I have received no correspondence from their offices. Today at XXXX I received another phone call from this company. I verbally gave them a Cease and Desist and advised them that Ive been willing to work with them, but just need documentation from them to ensure this is an actual debt. They have failed to provide requested documentation on several attempts, but continue to call. I advised the company today that I will no longer accept any phone calls from their organization until I receive proper documentation of my debt from them via USPS. This is harassing behavior on the companies part, and I have begun to speak with legal council regarding this.
Product: Debt collection

he company listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, showing a balance of XXXX which is an incorrect balance. It was sold to them by the original creditor and has been updated. to paid {$0.00} balance. I never consented to having my personal information sold a collection. Until recently the account was listed as a open charge off. This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. The actual balance originally owed was reported incorrectly to XXXX by XXXX XXXX. Per the Fair credit Reporting Act because of this the this item should be completely removed even thought the amount is now been update to a {$0.00} balance. Have it being reported at a higher amount has damaged my credit due to this simple mistake im requesting that it be removed immediately from all 3 credit reporting agency 's I've reached out to all three credit reporting agencys several times with documentation of the actual balances and nothing has been done about this in the legally require time to correct this the company 's own statement of account shows the correct balance amount. This is not " fair credit reporting '' by increasing the amount and should be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

its shows a lot of late payments on Experian Iwas never late with XXXX XXXX XXXX and XXXX XXXX  card please removed
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 USC 1681 section 602 states There is a need to insure that a consumer reporting agency has a responsibility to report with fairness, impartiality, and respect for the consumers right to privacy. XXXX, XXXX, and Experian are consumer reporting agencies as I am the consumer. I have the right to make sure my private non-public information is not shared per 15 USC 6801 which states It is the policy of the Congress that each Financial institution has a favorable and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of their customers nonpublic personal information as the furnishers of that said information to credit agencies. 15 USC 6802 states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless I, XXXX XXXX, the consumer, is given an explanation of how I can exercise that nondisclosure option. I was never informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1681a 1 states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 sections 604A section 2 states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instruction from the consumer to whom the information relates to. Financial institution XXXX XXXX XXXX + XXXX ( Account not Showing all credit reporting agency in must be removed from My credit report immediately ) XXXX XXXX XXXX + XXXX ( Account not Showing all credit reporting agency in must be removed from My credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX ( Account not Showing all credit reporting agency in must be removed from My credit report immediately ) XXXX XXXX XXXX XXXX XXXX ( Account not Showing all credit reporting agency in must be removed from My credit report immediately ) -Collection account- XXXX XXXX XXXX Never give my Written consent to report To my credit report and the consumer reporting agencies listed above do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to these credit reporting agencies listed above whether it was verbal, non-verbal. Written. Implied or otherwise is permanently revoked. With this being said I am opting out of your reporting services as it is my right to per 12 CFR 1016.7 A consumer may exercise the right to opt out at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries XXXX XXXX  and XXXX