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

Hi I am submitting this XXXX 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 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

Received call from ( XXXX ) XXXX about a closed credit card account from XX/XX/2013 regarding the amount of XXXX to be paid in full. The gentleman XXXX XXXX would not state the company he worked for only saying that he is a litigator for the company Wells Fargo. I stated that I have not had an account with them for over 5 years and he stated that in order for them to not take me to court and sue me for over {$3000.00} I would have to pay the full amount or the amount with charges and interest which would be over XXXX. I asked for the information to be sent and he said I would only be able to receive a receipt of payment/payment plan. I gave my email but have received no such information as I refused payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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 an account without my written instructions. 


I have sent several Disputes to Equifax, XXXX and XXXX about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. 
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. They have refused to provide the proof of these accounts. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 and SECTION 617 Kindly acknowledge this last composed OFFER OF SETTLEMENT BEFORE LITIGATION as my endeavor to genially resolve your proceeded with infringement of the Fair Credit Reporting Act in regard to your refusal to erase INACCURATE, Unverifiable and Invalidated data from my purchaser document. You have NOT given me a duplicate of ANY unique documentation ( A buyer contract with my mark on it ) as needed under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Moreover you have neglected to give the strategy for confirmation as needed under Section 611 ( a ) ( 7 ). If it's not too much trouble, be exhorted that under Section 611 ( 5 ) ( A ) of the FCRA you are needed to " promptly DELETE all data which can't be confirmed.

You will find attached all the items that are not 100 % accurate. That I demand to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the ( 3 ) credit bureaus to do a thorough investigation and continued to find improper discrepancies, as my rights have been violated. 

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX Account number XXXX 15 U.S.C 1681 section 602A states I have a right to privacy 15 U.S.C 1681 section 602A It also states a consumer reporting agency can not furnish account without my written instructions. 

The record continuously shows verified with no update in status date of verification and or providing improper discrepancies.
Product: Credit reporting

I applied for a car loan with XXXX XXXX on XX/XX/2015. Which they did a hard inquiry. Checking my credit report after that, because I changed my mind to trade my Jeep in. I saw Credco did another HARD INQUIRY! On XXXX XXXX, 2015 for XXXX used Cars XXXX XXXX XXXX ( XXXX ) XXXX. I DID NOT AUTHORIZED THE SECOND INQUIRY ON XX/XX/2015
Product: Credit reporting

There is an address on XXXX credit reports that belong to another person. Never was my address. It is the XXXX, PA address.
Product: Mortgage

Over the past 6-9 months I have worked tirelessly on improving my credit score. Close to a year ago, my score was approximately 540. 99 % of my low score was due to previous health issues and not the best health insurance. Unfortunately I could not keep up with these bills. Today, according the direct websites of XXXX, XXXX, and XXXX, my scores are in the 630 - 650 range. I also have a FICO score of XXXX. Since XXXX I have tried 3 times to refinance my home. Every time I have been told that the credit score I see when I go to these websites is not the same as the information being given to lenders by two specific credit reporting agencies. I do not understand how as a consumer I am supposed to use platforms like XXXX, XXXX, and XXXX to see if my credit score is where it needs to be to have the ability to refinance my home, then only to be told the information that is given to lenders does not match what I see in front of me. Every time I ask to have a lender look at my scores, this is considered a hard inquiry, and of course lowers my credit score. I understand there is a window given lenders, but if I go outside of it, it is considered a new inquiry. I am a single mom and work full time and do not have the time or ability to try and contact new lenders in a short period of time only to be told what I see in front of me, is not what the credit reporting agencies are telling the lenders. Even though, supposedly, they go to the same platforms I do, XXXX, XXXX, and XXXX. The difference in what I see and what I am told the reporting agencies see is over 50 points. To me, this is the difference between being considered for a loan and not. Attached are correspondence between myself and a lender. Image 002 is what I was seeing on my end and image 003 is what the lender was seeing on his end. I accessed the XXXX Website and he accessed the credit reporting agency, both of these actions done within an hour of each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I visited XXXX XXXX XXXX in XXXX, OK Address XXXX XXXX XXXX XXXX, Ok XXXX I used the Everi ATM machine I entered my debit card and requested a balance inquiry. The " ATM '' machine errored out and prompted me with a message that says, " unable to complete transaction '' We can not process your request at this time. The machine charged me on XX/XX/2023 {$640.00}. XXXX says this was to purchase a gaming ticket, yet I was doing a balance inquiry. When they looked back it said note presented not collectable. I filed a claim to the XXXX, but they told me not to worry that Everi will credit my money back. On the Following day on XX/XX/2023 I was charged again! {$680.00} from the SAME MERCHANT, I did not make another balance inquiry, and I went and spoke to the representative of management and they told me that EVERI WOULD REFUND MY MONEY. I waited a week a nothing happened, waited a couple more weeks nothing happened. So, I called my bank and file a claim on XX/XX/2023 my bank did not credit my account. So now I need you help since your machine stole my money and the casino crew is clueless. Kindly contact me and provide a solution. Everi does not have an easy number for any consumers to contact them. I have tried calling the XXXX number and keep getting told my case will be escalated and nothing happens. This is money I actually need, and I know for certain nothing was dispensed. Even XXXX confirmed to me that they don't see a gaming ticket was presented. That I need to contact Everi so that is what I am doing. Again these were charged to my debit card, no gaming ticket was received. When I contacted XXXX again they told me that they show a gaming ticket was redeemed twice, but they stated that they can see it says printer error and the transaction cancelled. Yet XXXX says they are not responsible and that I need to contact Everi, These charges are both to my account ending in XXXX. Debit card ending in XXXX. I should not be held responsible for something I did not do. Especially when I simply was requesting to check my balance, and WHY WAS I CHARGED TWO TIMES FOR GAMING TICKETS for 1 balance inquiry. That really doesn't make sense especially since I waited at the machine for 15 minutes, and nothing printed. The transaction CANCELLED. Regardless if it was redeemed who redeemed it? It wasn't me and the XXXX confirmed it didn't print.
Product: Debt collection

National Credit systems are trying to scam me and have me pay twice! Ive settled and paid my debt off. They are attempting to collect the same debt twice. They placed two collections one for rent and other fees and another one with the same rent and fees included. Ive requested over and over for a copy of what Im paying and why Im paying rent twice. When the security deposit covered it, and I still have not received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report fraudulent information on my credit report. I have disputed several times to no avail. They are in violation of the FCRA.
Product: Debt collection

I am writing to formally dispute the recent communications I have received from your organization, which I believe are in direct violation of Section 605B. Your persistent contact, despite my explicit requests to cease, is not only unwarranted but also unacceptable. On XX/XX/year>, I made it clear that I do not wish to receive any further correspondence from your company. However, I have continued to receive correspondence that is intrusive and harassing in nature. This behavior is not only a violation of my rights under Section 605B but also reflects poorly on your organizations ethical standards. I demand that you immediately cease all forms of communication with me. Furthermore, I expect a written confirmation that my request has been honored. Failure to comply with this demand will leave me with no choice but to escalate this matter to the appropriate authorities and seek legal remedies.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in a house in XXXX XXXX XXXX, Florida, and have been here since XX/XX/XXXX. I always pay mortgage on time, even during XX/XX/XXXX-XX/XX/XXXX period when over half the houses on my block were empty due to the financial crisis. In XX/XX/XXXX after Hurricane Irma my small business and house took on financial as well as property damage and I learned about contacting my mortgage company for a 90 day forbearance to get myself caught up. I called XXXX XXXX, who is my mortgage company, and had several conversations with their representative, who explained there would be no late fees and penalties for 90 days at which time I would be responsible for the amounts due, they even told me to try to pay what I could every month so that there would not be large number due, which I did. I am completely even at this time but they have put a mark on my credit score saying I've been late. when I contacted them they said they have no record of my request but that it does show I called in XX/XX/XXXX ... they have no reason listed for my calls ... .maybe it was about the XXXX XXXX! I have since talked to other people who have the same experience with XXXX XXXX..AKA XXXX ... AKA XXXX XXXX XXXX , one of the largest bailout recipients. They're doing the name change shuffle. This forbearance is a federally funded program and I have a FHA loan. It's bad enough to go thru Hurricanes and loss of business, they should have told me they wouldn't honor this program and I would have borrowed funds from a friend or something else. Can you help or is this the way corporations are allowed to operate? Thank you for listening.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$570.00} XXXX XXXXXXXX Balance Owed : {$9300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX Balance Owed : {$870.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$960.00XXXX XXXX  ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$5900.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2020, I fell victim to a multilayered recovery scam operation or- XXXX XX/XX/XXXXby a sophisticated con-artist named XXXX XXXX XXXX XXXX the Scammer ), masquerading as an XXXX  ( XX/XX/XXXXCoXXXX XXXX XXXX agent, who could help me to recover losses I had from fraudulent companies, with the sole purpose of robbing and defrauding innocent people. 

Money was transferred from my account via bank wire in the total amount of XXXX EUR utilizing their services. 

A self-called Mr XXXX XXXX XXXX person just called me in early XXXX offering to help me recover the money transferred to XXXX. He introduced himself as a friend of another person who contacted me before offering trading services and said that was a partner of XXXX - XXXX XXXX XXXX, a regulator in the XXXX and/or XXXX - XXXX XXXX XXXX, also a regulator at the XX/XX/XXXX XXXX. 
He said that was very experienced in recovering money deposited in non-regulated financial companies. 

After pushing me several times me to deposit money, I transferred XXXX EUR. He instructed me directly to open an account with their organization. We kept normal exchange of views until he called asking me to answer to a person called Mr. XXXX XXXX. And that indeed happened. 

To my surprise some week later I was again contacted by another person called XXXX XXXX talking, as he said, on behalf of Mr XXXX and asking additional XXXX EUR. The explanation was the same : he had the money ( XXXX EUR ) with him and to transfer it to my account he needed first to charge his fees XXXX XXXX EUR XXXX. 

As I called Mr XXXX, he said simply to comply with the demand. I did not and instead, start to doubt the seriousness of the proposals. Therefore, I sent a message to Mr XXXX asking him to honour his words, which had been complied with by me and did not have provisions for further transfers. 

I also contacted XX/XX/XXXX( XXXX regulator ) by phone and email asking whether they knew Mr XXXX XXXX. Actually, they said there is someone with that name but it is not allowed to do the recovering job. XXXX quite probably the name was hijacked ). You can search his name on the site of XXXX and or XXXX XXXX both XXXX XXXX. They also told me to file a complaint at the police and at the site Action Fraud. I realized that it was all a scam. 

I deposited various amounts of money to Mr XXXX and his co-conspirators. I am a senior citizen and I am seriously worried when I found this was a scam and I have lost my hard-earned monies to this scammer,
Product: Credit reporting, credit repair services, or other personal consumer reports

. Seterus reported late mortgage payments on my credit report that are not accurate. They have listed me as being late 30 days XX/XX/2017,XX/XX/2017 and XX/XX/2017 and 60 days late XX/XX/2017 ( I was 30 days late on the XX/XX/2017 payment ). Many payments were not credited to my account correctly. I have tried to dispute this though the credit bureaus, but was told that the information had been verified, but received no proof of this. This is damaging my credit score. I made on line payments and telephone within the grace periods, but these were not credited to my account in a timely manner.
Product: Bank account or service

XXXX has continued to charge the wrong account even after I have changed the method of payment linked to XXXX. As a result, my bank of america account has been charged an exorbitant number of overdraft fees and my balance is now negative. I have tried to speak with customer service, however the bank 's proprietary software does not allow more than a certain number of fees to be refunded and prevents any autonomy within bank branches and for customer service agents. This is unnecessarily punitive and anti-consumer.
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 the 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) A Section 2 : It also states a consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 am very stressed out and please accept this letter because it is very important for me. This inaccurate information is destroying my report! I hope we find mutual understanding and you will remove and recheck wrong accounts in my credit report. I would like officially to complain about as I do not recognize these accounts and inquires I have never gave any permission to any companies. Its pure Identity theft.
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. 

Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : 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 XXXX 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

As of XX/XX/2018, Equifax has 2 addresses on my credit report that I have NEVER lived at OR any of my creditors have had the addresses, that's why I filed a ID THEFT report with them. For some reason, XXXX  DELETED all the addresses, but, how can EQUIFAX keep them on the report? How does ONE credit bureau DELETE THE ADDRESSES and the other doesn't?? Equifax needs to delete the following FRAUDULENT addresses from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX