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

Hi I am submitting this XXXX XXXX  this isn't 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 XXXX 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 XXXX 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 XXXXThis 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 XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART  PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Product: Credit card or prepaid card

I made a XXXX payment on complete accident. I called on XX/XX/XXXXand asked for it to be returned. I even made XXXX $ to cover the minimum payment. They finally said they would do it and took my DDA info over phone. I was very unclear on the expected timeframe. I called today XX/XX/XXXX and they said it was declined. I talked to a " manager '' XXXX  ID XXXX. Who was incompetent and clewrly not well trained. He could not tell me why my request was declined. All he could REPEAT was to wait for the letter. I can't believe you don't have to software to tell me why or see the letter. I filed a formal complaint with him. This CFPB Complaint and will be faxing. I demand the money that is mine to be returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three Major credit bureaus have FRAUDULENTLY ACCEPTED MY SOCIAL SECURITY NUMBER! from parties! Without my consent or without LAWFUL authority! I'm asking that the three Major credit bureaus show me the Lawful authority according to the Constitution. They they have to have or report anything having to do with my social security number. As well as the consent I gave them to report anything ...
Product: Credit reporting

My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has XXXX digits different from mine. I submitted a dispute to Experian to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. 
I understand there is some rule used by the bureaus that if an address is on more than XXXX or XXXX items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to Experian and they ignored it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint with the CFPB about a fraudulent account that was being reported on my credit reports for Experian and XXXX, which they have actually removed. However, a residual issue exists with that complaint. 1. XXXX has not readjusted my credit score from when the account was reported on my XXXX  credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my Equifax credit report, my score dropped XXXX points. XXXX has removed the fraudulent account, but my score still remains at XXXX. 2. Experian has not readjusted my credit score from when the account was reported on my Experian credit report, which the day before the fraudulent account was placed on my credit report, my Experian score was XXXX. After the fraudulent account was placed on my Experian credit report, my score dropped XXXX points. Experian has removed the fraudulent account, but my score still remains at XXXX. 3. XXXX never reported the fraudulent account on my XXXX credit report, HOWEVER, XXXX adjusted my credit score with them based on Experian and XXXX reporting a 'new  collection/major derogatory account '. Consequently, my credit score with XXXX dropped from XXXX to XXXX. ***Seems something inherently wrong with XXXX dropping my credit score with them based not on what was being reported on my XXXX credit report but rather what was being reported by the other XXXX reporting agencies****. Regardless, neither XXXX, Experian or XXXX have re-adjusted my credit scores to reflect that the fraudulent account was removed, which is resulting in higher interest rates for car and personal loans.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX XXXX XXXX XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

State Employees Credit Union is reporting false information to credit bureaus that is hurting my credit. They are reporting 4 late auto loan payments and 10 late joint loan payments with my daughter. This information has begin reporting to credit bureaus XXXX and XXXX by late fall XXXX. This information is incorrect and I have tried to dispute information over and over with credit union reporting information as accurate and its hurting my credit score tremendously. The truth is since XX/XX/XXXX I had been working with a housing specialist at XXXX XXXX XXXX XXXX in the homeownership program to improve my credit so can purchase a home. She worked with me from XX/XX/XXXX until XX/XX/XXXX checking in every 90 days to review credit progress with dealing with only medical collection accounts due to health related and establishing mixture of credit tradelines such as revolving credit since already had two installment auto and joint loans. The bad reporting of late payments were never even on credit reports until late XXXX notice my scores dropped on XXXX XXXX with utilizing over 30 % of credit limits but new remarks was added to reflect late payments. This reporting has made it hard to get approval for home loan and my housing counselor even confirmed it was never there since her helping me for XXXX year. Also I have provided proof to the bank of payments made on time with 30 days that should have never reported late. They updated their system to start reporting to XXXX  last year and this is when the incorrect information was reported and updated late payments placed on XXXX whom they were already reporting to. I have been to main branch where loans was originated and the branch manager XXXX, whom was not there in XXXX but still will not look into the matter after I have showed proof of payment. I went to different branch and the nice lady did look more into it after I showed her past receipts and money order stubs copies with dates made out to SECU with account numbers listed. She called up to SECU Credit Reporting Department in XXXX NC and spoke with a gentleman that told her to request that I go back to branch show proof and branch can call to make request to them to remove late payment for dates showing if it was not late. I have tried that method and nothing seems to work no one will help me. I even sent copies of receipts by certified mail to SECU Credit Reporting Department on XX/XX/XXXX with a letter to prove the dates that they are reporting late for both accounts.
Product: Debt collection

XXXX of New York charged me for a service that was utterly fraudulent. They claimed to have to have done a XXXX, when in fact they did virtually nothing. The description of the procedure was absolutely false. Clearly they were trying to justify a large charge to my insurance company.
Product: Prepaid card

XX/XX/XXXX I paid {$100.00} at XXXX XXXX for a Vanilla gift card. The money was scammed out of the card before I received it. The card could not be used upon arrival. I called the company on XX/XX/XXXX. Per company I wrote out a complaint and received another Vanilla gift card with XXXX balance on XX/XX/XXXX. The company said on XX/XX/XXXX when I called again, the money will be uploaded. On XX/XX/XXXX I asked for a supervisor as still no money was added to the new replacement card. He told me I would have the {$100.00} added to the replacement card in 2 to 3 business days. It's XX/XX/XXXX and still no {$100.00} Vanilla gift card. It's important to note my original gift card was given to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX tel XXXX given to her as gift. She gave card back when it wouldn't work and I gave her cash. The replacement card came to me who was the purchaser. They may have some info under her but always acknowledge the money {$100.00} will come to me and has not and has NOT gone to her either. I have " empty '' balance replacement card mailed to me at my home!
Product: Credit reporting or other personal consumer reports

I have tried to log into Experian to freeze my credit file. After encountering many common log-in issues documented here : XXXX XXXX XXXXXXXX I was able to recover my account after XXXX  days. Upon logging in I was directed to a screen to purchase for {$XXXX} a month a " free ' service from experian. There is no way to bypass this screen and access one 's account. There is no way to decline the offer. To access your account and apply a freeze, one MUST purchase the plan from Experian. 

XXXX hours on hold with the company ( their voice tree says its a XXXX minute wait ) and it is clear there will not be a human at any time to assist me.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX All theses accounts are still on my credit and needs to be removed I have asked them to take this off my credit because it is affecting my credit and I have had creditors ask them and there has been no change some of this is fraud and it needs to be removed ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are all fraud I dont know any thing about these creditors ) I did not authorize any of these creditors
Product: Mortgage

I made the final payment on my mobile home in XXXX 2015, but the loan company, Ditech, claims I still owe {$13000.00}. They say my account is seriously past due and if I do n't send the money, I may be facing legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud and have submitted dispute requests both electronically and by mail. Under the 609 act I have the right to receive documents with my signature as well as all charges. I did not receive the requested information I require this information in order to further investigate the perpetrator that ruined my credit forever.
Product: Vehicle loan or lease

The loan with credit acceptance was charged off according to my credit report but I have not received a 1099 c from them.
Product: Credit reporting or other personal consumer reports

I value your help too removed a portion of the data on my credit file that came aboutbecause of FRAUD yet I have an item passed on that should be taken out or removed. Per FCRA segment 605 you are expected to eliminate any records recorded on anXXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims andthey are eager to consider you responsible for your tenacious rebelliousness. 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

I checked my credit report, and I saw some inquiries that I did not authorize. 

XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX I NEED THESE INQUIRIES REMOVED AS SOON AS POSSIBLE.
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 15 USC 1681. The XXXX XXXX Account number XXXX and the XXXX  Account number XXXX are in violation of my rights in accordance to 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: Credit reporting, credit repair services, or other personal consumer reports

I've disputed a negative item furnished by XXXX XXXX XXXX on all three of my consumer reports multiple times. 

I requested and received a validation letter of the item from XXXX in XXXX, 2022 where they admit to not being able to confirm or deny the accuracy of the item. 

Yet all 3 bureau 's keep allowing them to update this item as verified, despite XXXX 's admission in writing that they do not have the capability to verify the infromation. If a proper investigation and reinvestigation was really done by the bureaus I wouldn't have to write this complaint. 

As stated in 15 USC 1681i 5 ( A ). Equifax, XXXX, and XXXX are all required by law as Consumer Reporting agencies to promptly delete this unverifiable information to keep the accuracy of my reports in tact and protect my rights to fairness in reporting. 

I am attaching the letter from XXXX to this complaint,
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - DATE OPENED XXXX/XXXX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have targeted offers about this wells fargo Propel Card in XXXX XXXX. My credit score is more than 800 and never had a default. 
But still i am being denied the credit card. There were no errors or false data in my application. When i called the toll free # - i was told that i have too much credit already for me. it's a weird reason. 

why wells fargo is targeting me by showing these kind of offers ( with very high odds of approval ) and then denying me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having repeated issues with incorrect name spellings and inaccurate home addresses reporting on my credit. I have called the bureaus many times, sent in letters to correct this information, with proof of identity, home address, as well as a police report ; that proves my identification ( license, social security card and children 's social security card ), was stolen years ago.

My last attempt at contacting the bureaus was in early XXXX. I was assured that only the information, I provided with proof of identity and address, would remain on my report. I also added fraud alert and put a freeze on my reports. After printing my free annual reports, last month, I noticed several name spellings, along with an additional last name.

There are also several listed addresses. After moving from my last address, three years ago. I contacted the bureaus to remove all old addresses. I was assured this was done. However, I am seeing addresses that I have not ever taken residence at, as well as addresses from 10plus years ago.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX 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: Debt collection

I am currently 29 days overdue on my auto loan. The lender, XXXX XXXX, has my proper address and phone number. They call daily about the debt but I have been unable to catch up. They send letters to my address. I have responded to phone calls. I have not changed address or phone numbers since I first took on the debt. 

Today, XX/XX/2019, they contact my brother and left a message that I had to contact XXXX XXXX. They are not supposed to contact relatives when they have good contact information for me which I am reachable at. 

This same problem happened approximately 1 year ago and I contacted XXXX XXXX and asked them to remove my family members from their records. I explained that my contact information has not changed and I am reachable and receiving their calls. They agreed. Today they contacted my family again in an attempt to harass me. My contact information has been the same since I took the loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : REQUEST LETTER TO REMOVE INACCURATE LATE PAYMENTS To Whom It May Concern, Upon reviewing my consumer report, I discovered an account that is reporting inaccurately. I have a late payment showing 30 days late on an account that was paid on time. XXXX XXXX  XXXX is in direct violation of my consumer rights reporting inaccuracies of late payments on an account where payments were paid on time. According to the Federal Credit Rights Act FCRA 15 U.S.C Code 1681e ( 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. As a consumer reporting agency 15 U.S.C 1681a ( f ), you are governed by the Fair Credit Reporting Act FCRA. 15 U.S.C 1681, which protects consumers from inaccurate, outdated, or invalidated information reporting on their consumer report. According to the FCRA it is the consumer reporting agencys responsibility to ensure that all information contained within our consumer files are accurate and free of errors. 

I have never missed a payment on the following account : XXXX XXXX XXXXXXXX Account Number XXXX shows 30 days past due as of XX/XX/XXXX. I have attached a copy of my consumer report to this complaint on XX/XX/XXXX. 

I request you thoroughly investigate the inaccuracies of late payments and urge you to provide evidence demonstrating the lateness of payments. If you are unable to furnish such proof, I demand the 30 days late payments be promptly removed and updated to reflect their true status as on-time, paid as agreed, never late as I have consistently upheld my payment obligations without delay. 
Upon completion of your investigation, I would like to request a detailed description of the procedures used to determine the accuracy of the account that I am disputing. 

For verification purposes I have enclosed a photo copy of my official state issued drivers license and my social security card to validate my identity clearly shown below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone Number : XXXX Email : XXXX Thank you for your assistance in this matter. 

Best Regards, XXXX XXXX