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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Payday loan, title loan, or personal loan

The company practice deceptive sales practices along with payments to harm consumers like me. The loan date of service is XX/XX/XXXX. The total amount received was {$2900.00}, the enormous amount of finance charges was {$10000.00} and the total finance charges were {$7700.00}. The total amount due is {$18.00}, XXXX for 53 months. This is never ending. It increases every month. along with the ADD ONS AND XXXX XXXX XXXX XXXX XXXX XXXX 

The other started in XX/XX/XXXX for {$15000.00}, amount financed {$8700.00}, finance charge {$6400.00} cash received {$3700.00} for 36 months. 

Then the last started on XX/XX/XXXX for amount financed {$8.00}, XXXX. The amount of cash received is {$490.00}. The amount financed is {$9000.00} for 60 months, At some point this has expired and something is paid in full, I have never received the amounts on these loans. The loan continues to reflect a deceptive sales practice and payments that are harmful to me. The payments are increasing constantly. Please assist me with retrieving all moneys due and if what I received from this company is paid in full. Please let me know.
Product: Vehicle loan or lease

I received a call from XXXX offering me a deferral of my lease payments for {$86.00} on XX/XX/20 at XXXX XXXX  This call sounded fraudulent
Product: Credit reporting or other personal consumer reports

Equifax has inquiries on my report that I do not recognize. I have called them to fix the error. They told me I need to call the compaoand send in an ID Theft Report. I have called the companies and I have filled out an Identity Theft Report and sent it in. They tell me the ID Theft Report is not acceptable but will not tell me why. They say they do not access to that information. I need this information off my report as it is not mine! Also according to the Fair Credit Report inaccurate info must be verified or deleted. They have not verified this information nor have they deleted it!
Product: Money transfer, virtual currency, or money service

I hold my XXXX, XXXX, and some XXXX XXXX on Blockfi that currently fluctuates between {$60000.00} and {$70000.00} value. At its peaks this was worth around {$150000.00}. I am currently unable to withdraw my money due to the fraudulent way they have ran their business as well as their seemingly being exposed to XXXX in some way.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I've sent letters to credit agency of inaccurate information on my credit report to be disputed and did not receive investigation results in mail of response within 30 days. I know my rights and they are not following the law.
Product: Credit reporting or other personal consumer reports

ON APPROX. XXXX XXXX XXXX I DISPUTED A FEW STUDENT LOANS ON TRANSUNION, XXXX AND XXXX CREDIT REPORTING AGENCIES ALONG WITH ( 3 ) CLOSED ACCOUNTS THAT STILL SAY THEY ARE CURRENTLY OPEN ON MY ( 3 ) CREDIT REPORTS. I WAS ADVISED THAT THE COMPANIES HAD 30 DAYS TO RESPOND. THOUGH I NEVER RECEIVED ANY CORRESPONDENCE BACK FOM THE COMPANY ; HOWEVER, THE CREDIT BUREAUS ONLY EXPLAINED THAT THE DEBT WILL REMAIN ON MY CREDIT REPORTS AND MY DISPUTE HAS BEEN CLOSED. I ATTEMPTED TO REBUTTLE THE DISPUTES BUT THE BUREAUS STATED I COULD NOT REOPEN ANY DISPUTES FOR THE SAME ACCOUNTS. THIS SITUATION HAS CAUSED A SIGNIFICANT HARDSHIP. THE NINCLUSION OF THESE ACCOUNTS HAS HAD AN ADVERSE IMPACT ON MY CREDIT STANDING AMD FINANCIAL WELL-M BEING. I BELIEVE THERE ARE U.S. CODES GROUNDS FOR THEIR REMOVAL.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer report, and I noticed I had two late payments on an account. I was never late, for the consumer reporting agency has assumed a vital role and has a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I Included is a screenshot inside of this complaint on dates of XX/XX/2023 and XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, I demand that these payments be updated to be paid as agreed on time as they should be due to the fact that I was never late.
Product: Payday loan, title loan, or personal loan

my business went down and i couldn't afford payments. called company in XXXX  to pick payments up by paying it they told me that my account is closed.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect the consumers right to privacy. XXXX XXXX and Transunion are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Transunion, XXXX, and XXXX. ( Furnisher information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to excersie 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 conviction 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 U.S. code 1681s-2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows o has reasonable cause to believe that the information is inaccurate. 15 U.S.Code1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. Transunion, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$83.00} Inquiries that I do not have accounts with and took no credit or loan out for that's still reporting on my personal files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ADDRESSES NOT ASSOCIATED WITH ME OR ARE INACCURATE XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX, REFERENCE # XXXX I looked at my credit report on XX/XX/XXXX XXXX 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

I have been the victim of Identity theft the following inquiries were not authorized by me and these are the final items I have noticed : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine ; FCRA : XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Product: Credit card or prepaid card

Ive had Chase for over a decade. There have been problems here and there but weve managed to fix them no problem. Now it seems they seem intent on charging me fees to the point of having to close my credit card account and tank my credit score in the process. 

I opened a credit card with them in XXXX. It has a $ XXXX limit. I admittedly havent been able to pay off the entire amount due to the financial stress of the pandemic economy but I have been making my minimal payments on-time and been paying down when I can afford to. 

In the last few months, however, Chase has decided to add an additional fee to my credit statement named a Purchase Interest Charge, that has not be present since I opened the card. This new charge has not only put me over my limit each month but has increased my monthly payment by {$28.00} ( an increase I can not afford at this time ). I received no notice of this change and have been told by a rep that this is a standard practice. 

In the last 4 months, I have been charged an additional total of {$190.00} on my credit card under this mysterious fee and an additional {$29.00} in late fees having not been able to make the {$68.00} payment. 

I have also noticed that my checking account, I have been charged a Monthly Service Fee of {$12.00} for the past two years, something I never agreed upon when I signed up for the account in XXXX. There are XXXX charges of {$12.00} starting in XXXX ( a total of {$300.00} ). Again, received no notice about this charge. 

I am a regular consumer who trusts my bank to handle my money fairly and in the manner in which we previously agreed upon. Im sickened to think that the place I funnel the entirety of my income into is taking money from me unjustly and without me knowing.
Product: Credit reporting or other personal consumer reports

Im requesting help with the inaccurate account thats appearing on my credit report. The situation has impacted my reputation, and I need your support to resolve it. Due to the wrong information in my report, my reputation has been ruined. You need to remove this incorrect data from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account & Wrong Information Reporting I have continually and ongoing have told Experian that this account is account does not belong on my report. I have asked the company to verify and yet again they are reporting the wrong information. How did you verify? but didn't notice that this company has the wrong address, wrong name on the loan and a few other discrepancies. There are names and addresses on the documentation they have provided that I do not recognize and have never been associated with, I and demanding you reinvestigate this account and update my credit report with this account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

30 days ago I noticed errors on my credit report and I sent in a dispute letter to the credit bureau. They failed to respond to my complaint in a timely manner which prompted me to send in a demand to comply letter to which I still havent heard a response.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report. Thank you. 
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: Mortgage

I applied for a conventional loan at Wells Fargo Bank and it was pre-approved. 
But, when I made a purchase contract, the loan was denied. Wells Fargo wanted to change a conventional loan to a FHA loan. But I was approved for a conventional loan. 
XXXX, the loan was denied.
Product: Checking or savings account

On XXXX debits of XXXX, XXXX, XXXX, XXXX was made on my XXXX XXXX account from a PayPal account holder XXXX XXXX. PayPal was notified and acknowledging the above transactions, but only stated in the email it was XXXX that was debited. PayPal Representatives XXXX, XXXX, XXXX, XXXX and others did not make the corrections but kept me on hold over the phone and asked me for my complete card number, address, phone number, email address which they received, but I refused to give my account number.
Product: Credit reporting or other personal consumer reports

Delete this account for inaccuracy, because the date the account XXXX was opened for XXXXXXXX XXXX XXXX is reporting two different inaccurate dates, XX/XX/2018 and XX/XX/2018. 


15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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.

15 U.S. Code 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Reporting this misinformation is attacking my character as a natural person and is in direct violation of my rights as a consumer stated in : FCRA 15 USC section 602, 15 USC 6801, 15 USC 1681 section 604 a section 2, 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ), 15 U.S. Code 1681s- 2, 15 U.S. Code 1681 e, and 12 CFR 1016.7
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, Equifax, and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed 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

I made a request for Best Buy, on XX/XX/XXXX and XX/XX/XXXX, to correct my credit report, but they are still are reporting late payments that are older than 7 years old. I know for a fact that I did make these payments, but I am not here for that. They are reporting to XXXX and XXXX XXXX late payments from XX/XX/XXXX and XX/XX/XXXX. 

Attached is a document from CITI and Best Buy stating the dates. I do not have the letters mailed to them.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate reporting of multiple late payments by these creditors to Experian. Their records incorrectly show several payments as late, despite the fact that they were made on time. These false late marks are negatively affecting my credit score and financial standing.