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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. FOURSIGHT CAPITAL LLC Requested On : XX/XX/2019, XXXX XXXX Requested On : XX/XX/2019, XXXXXXXX XXXX XXXX XXXX Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account from XXXX/XXXX, NORDSTROM CREDIT CARD is reporting on my credit. I never opened this account. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.
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 XXXX XXXX XXXX. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : 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: Debt collection

This collection company reported a debt to all three credit bureaus. The collection has caused an unbelievable issue on my credit report. My score has dropped XXXX points because my creditors have lowered my credit limit so it appears that I now have used up all of my credit when that was simply not true before they lowered my limits. And the limits were lowered because of this reporting. They say I owe {$89.00}. I have no idea when this amount came due nor do I know to whom this {$89.00} is owed to. I have no date of service, no invoice, no invoice date. NOTHING. Not once have I received a telephone call nor have I received written documentation of the debt. The reporting on my credit bureau indicates this is a XXXX XXXX debt. I recently went to XXXX XXXX for a health issue and they did not even make me aware of a past due balance. Both XXXX and this collection agency should have at least notified me and given me a chance to pay the debt before reporting to the credit bureaus and ruining my credit. I ca n't even refinance my home now. Because of their poor reporting tactics, my credit is beyond being repaired. I wrote the XXXX credit bureaus and explained the situation and asked for this to be removed from my credit report. My request was declined by all three agencies. Can you please file a complain against this company and the XXXX credit reporting bureaus and have this removed from my credit file? And if in fact that I do owe this money, I can assure you it will be paid promptly. I ca n't say that I do or do not owe this debt because I have never been furnished with an invoice, or what the debt is for, or when the debt incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

A security freeze was placed on my XXXX report on XX/XX/2020. I also placed a freeze on my XXXX XXXX XXXX XXXX report on XX/XX/2020. I do have verification for these freezes if needed. XXXX has continued to verify personal information reporting to my credit report post-freeze. I have letters from Equifax ( XX/XX/2020 ), XXXX  ( XX/XX/2020 ), and XXXX  ( XX/XX/2020 ) stating that public records on my report were verified using XXXX. I received a letter from the courthouse stating that they do not sell or report public records concerning bankruptcy filings to any third party agencies or credit bureaus. The reporting from the three major bureaus do not match one another as they are required to. I have disputed the inaccuracy of the reporting and nothing has changed. The court names are incorrect, the filing dates do not match and they are incorrect, the reference numbers are all different. I have disputed this information with Equifax, XXXX  and XXXX  multiple times and the information comes back verified each time with the same response : " obtained through a third party vendor XXXX XXXX XXXX XXXX XXXX ''. I know that the law states that the bureaus are required to report all accurate information on consumer reports, and that has not been the case for me. I am aware that data obtained for a consumer report must be validated through the original furnisher and the original furnisher stated in writing that they do not share info with 3rd parties.
Product: Debt collection

I am formally asking LVNV Funding to Cease and Desist communication in regards to this alleged debt that is negatively impacting my credit report. I never gave XXXX funding permission to communicate with me as a consumer or to communicate with me through any medium regarding this alleged debt. The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. My consumer report is in fact a medium in which is being communicated in regards to this alleged debt. My consumer report is in fact my reputation and my deputing is being hurt by something negatively reporting on there. I do not owe this alleged debt and all forms of communication needs to be ceased immediately. See attached letter for full information
Product: Debt collection

I was told by XXXX that if I paid off debt that they would remove it from my credit report
Product: Debt collection

It is also important that each financial institution, creditor or anyone providing information to the credit agencies only report information that is accurate, without prejudice or malice. I am the victim of a Collections Agency, Meridian Financial Service reporting false/incorrect information to the credit bureau as follows : Account Payment Status Collection/Charge off : Original Lender XXXX XXXX XXXX XXXX and the Highest Balance {$580.00}. This was totally false information. I disputed the matter and wrote a letter to XXXX XXXX general manager. Meridans actions were arbitrary and capricious and Meridian knew the information was false prior to submitting it. ( See attached letter )
Product: Debt collection

Today XX/XX/XXXX, I received a letter trying to collect on a debt that is 1. over 8 years old, and 2. paid off in XXXX, and 3. I paid taxes on it. I called and spoke to XXXX, she was not a good rep and not helpful. I told her that I paid this debt in XXXX and paid the taxes on the debt cancellation, which she seemed like she had no idea what that is. I also mentioned that I was not happy over the fact that they are trying to collect on a debt over eight years old, and also that I paid on it in XXXX, and I have proof. That I would need their information so that my attorney can contact them since this is clearly illegal. She also said this would not go on my credit report, I found that strange. Most all collection companies report it. I worked very hard getting my credit back up to 700+. A few minutes go by, I got my old records out of my XXXX account and my CPA 's records, I thought I need to call them back and get th complete account number to reference to to give to my attorney. When I called, the person I spoke to gave me no name, I asked for the account number she said there is not one, and I said that this seems to be illegal that they are trying to collect twice on the account and its over 7 years old, she immediately hung up. I was nice to each persons on phone, but firm in voice, as they were too. The Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX NV XXXX XXXX Ref # XXXX Amount : {$4300.00} Original Creditor : Wells Fargo Bank Current Creditor : XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 ), reported on XX/XX/year>, Account name : XXXX ( XXXX ), reported on XX/XX/year>, Account name : XXXX XXXX ( XXXX ) reported on XX/XX/year>, Account name : XXXX XXXX ( XXXX ) reported on XX/XX/year>, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

Several items were removed from my credit report after investigations and me paying several debts in full from my credit report as of XXXX 2017. Equifax removed several items because of letters from companies advising that they were to be removed. Equifax also updated all of my credit card payments up to date as of XXXX 2017. On X/XX/17, my credit report was correct and included XXXX collection, XXXX inquiries, & XXXX negative items. The next morning I woke up to XXXX negavtive items, XXXX collections, & XXXX inquiries which is SEVERELY incorrect! Equifax even removed my payment histories for my credit cards that were last updated in XX/XX/XXXX and put the last updates as XX/XX/XXXX. The removed some credit accounts all together. It was as if my credit report fully converted back to XXXX of 2017. I  called and spoke to reps for hours who refused to help as I advised that there was something wrong. They assured me that there was no technical errors or glitches. I advised them that I pay them monthly for a credit service & I review my report everyday. I let them know that my payments on all my cards were showing last updated X/2017 & that now they were showing last updated X/2017 which is definitely incorrect as that date is in the past. I advised that the credit report just the day prior listed all my accounts and they were all now gone & now included stuff that they received letters to erase & that their own investigation had deleted. I proceeded to call several of the companies now showing on my report and they advised the last notifications they sent to equifax was to remove the debts months ago and that they had sent nothing new. This is soley on equifax and is their error, not the companies error as they did their part correctly. Equifax is reporting incorrect information and erasing pertinent info and has now destryed my credit and haulted my home buying process. They refused to escalate or even pull up or accept any report from the day prior as proof of what I was saying.
Product: Bank account or service

We enrolled in the XXXX XXXX Rewards debit card program in XX/XX/XXXX. 

Promotional Reward Program Problems - Visa XXXX Debit Card : We had problems receiving our rewards from the beginning. We spoke with at several different customer service representatives through the card issuer on and off about the problem over many months, with our last conversations XX/XX/XXXX about the problem. Each time we were told a specialist would return our call but our calls were never returned. 

We were told by a card issuer service representative ( at that time XX/XX/XXXX ) there was over {$300.00} in rewards that were never issued to us, and that our debit card may have been provisioned incorrectly when issued. We were also told that the system was not functioning properly and that the reward information and amounts should appear on the customer debit/credit entry pad at the store when a reward is available, and at that point we should be able to see the reward amount and authorize the payout of the reward on that store visit/transaction. To this date that functionality has never worked. 

We have relied on the XXXX store cashiers to let us know when a reward is available. We believe that many of the cashiers did not offer the rewards because they were not trained correctly. To this day, many of the store cashiers STILL do not know how to apply a reward. 

We 'd like a full accounting of rewards earned and any rewards still due since the card was issued. We have spent countless hours of frustration on the phone and in person trying to resolve these issues. 

Direct Deposit Problems : XX/XX/XXXX Direct Deposit Problems : XXXX different direct deposits were not serviced correctly. I spoke with customer service representatives on several occasions between XX/XX/XXXX and XX/XX/XXXX. Each customer service representative we spoke with could offer no reason as to why the direct deposits were failing or give a solution to resolve the problem. Each representative also promised a return call from a specialist within XXXX hours. Our calls were never returned. 

Deposit Details : Initiation Date : XX/XX/XXXX - Trace ID XXXX - {$740.00} - FailedInitiation Date : XX/XX/XXXX - Trace ID XXXX - {$710.00} - FailedInitiation Date : XX/XX/XXXX - Trace ID XXXX - {$2400.00} - Succeeded. Previous failed deposits, along with a current deposit were combined and finally deposited successfully. 

XX/XX/XXXX Direct Deposit Problems : Deposit Details : Initiation Date : XX/XX/XXXX - Trace ID XXXX - {$770.00} - FailedWe have never had any direct deposits fail XX/XX/XXXX. I 'd like to know the reason why these direct deposits XX/XX/XXXX are failing and how to prevent it in the future. We need to be assured the problem does not happen again. Also, the customer service response is horrible. Not one time have our calls ever been returned concerning any problem by a specialist as promised.
Product: Credit reporting or other personal consumer reports

XXXX XXXX from XXXX  automatically took out of my account XXXX. They sent XXXX to XXXX XXXX I sent XXXXXXXX XXXX the proof of payment and XXXX XXXX sent a letter they ceased all collection activity and requested the current owner to update account as disputed with the credit bureaus. I disputed this with the credit bureaus three times to which they are still applying the credit acct same inaccurate information to my credit report causing me increased interest rates. I disputed online and twice by certified mail XXXX, XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Credit reporting or other personal consumer reports

XXXX seems to continue to experience issues regarding furnishing student loan account changes to the credit bureaus. Experian, specifically, has not received an update since XX/XX/31 despite the fact that I have paid off XXXX accounts and made a significant payment on a fourth. 

In addition, XXXX is impossible to get a hold of via phone due to seemingly low staffing levels and obscenely inconvenient call center hours which results in ridiculous hold times.
Product: Credit card

on XX/XX/XXXX I contacted Home Depot after receiving my statement. Telling that there were charges on my card that I did not make the charges happened from XXXX. there were 12 purchases between this time that I did not purchase or give anyone permission to purchase. I contacted the company for a dispute and received a letter back saying that they denied my dispute no information why. So I asked them to provide the back up of the merchandise that was purchased so that I can see who purchased the merchandise. I am still waiting for that information and Ive called them several times at this point Ive been charged back with interest and all of the sales. Which I do not plan to pay for in the end I called Home Depot back and told them that I was XXXX XXXX XXXX and that I didnt care about my credit and I wasnt going to pay them. So they reopen the case but here we are in the end of XXXX and I still havent not heard anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I contacted XXXX to update my employment information on my credit report. 

I started a job on XXXX at gXXXX XXXX in XXXX XXXX  and XXXX will not update my info in my personal info
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX ; an auto loan account opened with XXXX XXXX XXXX on XX/XX/XXXX ; a utility account opened with XXXX XXXX on XX/XX/XXXX ; a collection account with XXXX, associated with apartment debt, opened on XX/XX/XXXXXXXX  ; a collection account with XXXX XXXX XXXX, assumed to be apartment debt, opened on XX/XX/XXXX ; a collection account with XXXX XXXX XXXX, opened on XX/XX/XXXX ; a collection account with XXXX XXXX, opened on XX/XX/XXXX ; two collection accounts with XXXX XXXX XXXX, one opened on XX/XX/XXXX, and the other on XX/XX/XXXX ; a collection account with XXXX XXXX XXXX, associated with apartment debt, opened on XX/XX/XXXX ; a collection account with XXXX XXXX XXXX, opened on XX/XX/XXXX ; a collection account with XXXX, assumed to be associated with apartment debt, opened on XX/XX/XXXX ; and a collection account with XXXX XXXX, opened on XX/XX/XXXX. I have attached a list of the hard inquiries in question, along with a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or any of the hard inquiries reported. All of these items are the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Report ( # [ Private Case Number ] ) as proof from the U.S. Federal Trade Commission that the above accounts, collections, and hard inquiries are fraudulent. I respectfully request that you block the fraudulent information from my credit file within four ( 4 ) business days, as required by FCRA 605B.
Product: Credit card or prepaid card

Received attached letter stating I applied for credit. I did not apply with this entity, as I already am well aware I would have to travel 200 miles, in order to obtain this. I did not attempt conducting business with this entity, and this is possible fraud. Please recheck your records.
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. 

Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX 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 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: Payday loan, title loan, or personal loan

I had fraud on my bank account and stated this to the company every day, they called me every single day and I always answered I am at work and they decided to call there when I didnt pick up One day but I he called back w in an hour Ive been written up for being on phone during business hours as I stated that to them I cant get money back from bank until my investigation is done, I have let them know multiple times they started then calling me and my work daily then they called at XXXX XXXX XXXX and they call no caller id after hours and weekends I called back yet again and they keep saying I havent been in communication they want an update daily but Im at the mercy of my fraud and its not quick thing to Solve and I have let them know this then she threatened to File suit on me they have harassed me jeopardized my job as well at my mental Health and I had to go see a doctor for suicidal for the threats of suit and phone calls to Myself and work and now costing me My Job
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian multiple times via certified mail disputes to remove an inaccurate " XXXX  '' code from the Payment History for my XXXXXXXX XXXX XXXX account. 

This " XXXX  '' code has been listed for XX/XX/2021 despite the fact that the account was settled at {$0.00} in XX/XX/2021. Under the guidelines of the Fair Credit Reporting Act, accounts that have been settled, even if settled for less than the full amount, should no longer display any new payment codes. 

Because the account was settled in early XX/XX/2021, the payment code displayed on my Experian credit report for this account for XX/XX/2021 is inaccurate and must be removed. Any payment codes posted after XX/XX/2021 are considered re-aging the debt, a serious violation of the Fair Credit Reporting Act under Section 623 ( 5 ) ( A ).