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 XXXX n cant provide to my XXXX XXXXXXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the creditor in XX/XX/2021. After communicating with a manager in the collection 's department, I negotiated with the creditor regarding a payoff amount to settle the account and remove the derogatory information related to the account. The creditor agreed to the payoff amount, but did not remove the derogatory information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having issues with XXXX XXXX keeps appearing on my credit report violating my rights. This account was opened fraudulently in my name and does not belong to me. 

Account XXXX XXXX {$1700.00} Open on XXXX, XXXX 2020 XXXX I want this fraudulent account removed from my report asap as it is violating my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX SSN : XXXX XXXX DOB : XX/XX/XXXX Trans Union XXXX. XXXX XXXX XXXX XXXX, PA. XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below 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, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section 617 ) if you fail to comply. 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 CARD XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete remove these incorrect numbers below. 
The following numbers are not mine XXXX, XXXX
Product: Checking or savings account

On XX/XX/2022 I went to the Bank of America ATM at XXXX XXXX XXXX XXXX, Ca.. I made a cash deposit as I always do, in the amount of {$1000.00}. The ATM could not process the transaction and a message on the screen said there was a problem with the machine. I took a photo of that message. When I hit " continue '' it only recorded {$300.00} of my {$1000.00}! It was a holiday weekend and I could not reach anyone by phone until the following day. They gave me a temporary reversal of {$780.00} but today they took the money back!! This is MY money! How can this be corrected??
Product: Debt collection

On XX/XX/XXXX, I received a call from Monterey Financial Services, LLC., in regards to an account with XXXX XXXX. I advised the representative I was at work and unable to continue with the call at that time as I was expecting a work related phone call. The representative asked that I call her back later today. I advised her I worked late and would not be able to call back today. The representative continued to say " you are on the phone and when the call comes in you will know. '' She then proceeded to ask me questions in which I declined to answer and advised her if she would like to make an agreement to pay then to send it in writing to my address of record. She refused and stated that my credit is very important and it would have negative effects if I did not pay in full today. The company has already been reporting since XXXX of XXXX to the credit bureaus. When I advised her that if I did not get off of the call, I would lose my job and not be able to pay, she threatened to " recommend legal action and negative reporting on my credit reports '' and would comment that I refused to pay. I disputed the balance owed ( as incorrect ) on XX/XX/XXXX with no response. On XX/XX/XXXX, I disputed again stating I did not receive a response within the allocated timeframe and requested the information be removed. This dispute is still active with XXXX and XXXX. I believe this company has violated both the Fair Credit Reporting Act and Fair Debt Collection Act with their illegal practices. I never received a letter to my address advising me that the account was moved to a collection agency or my right to dispute. They only send generic emails to the email address I provided at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX - XXXX there was multiple inquiries on my consumer report which id like monetary value for since i never authorized. This is a result of identity theft and happened without my knowledge. 

XXXX ( Inquiry XXXX ) XXXX XXXX  XXXX ( Inquiry ) XXXX  XXXX ( Inquiry ) XXXX XXXX XXXXXXXX ( Inquiry ) XXXX XXXX XXXXXXXX ( INQUIRY ) XXXX XXXX XXXX XXXXXXXX The FCRA that the only data which is factually documented to be physically verified as fully truly, correct, complete, timely reported of a known responsibility and ownership. I would like a physical original document of my signature giving to your company to furnish on my report.
Product: Debt collection

AVANTE USA at XXXX XXXX XXXX XXXX XXXX TX XXXX. Has been sending me collection notices in the amount of {$1900.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit card

I called to make a payment on my card today, and was told it was {$120.00}. I spent an hour on the phone trying to get the woman to tell me why it was {$120.00} today. Finally a manager gets on the phone and tries to tell me that he listen to the last conversations I had but lied and said I knew that I owe the past due amount 's and that I was in collections which is false finally he said that I had no choice but to pay the minimum of {$75.00} that was due today I was a palled because the previous woman told me it was {$120.00} today neither one of them could come up with any excuse as to why I owe these amounts I made the payment so I would n't get any more late charges but this is a fraudulent scam these people just add on amounts neither one of them New my actual payment due was for today I have recorded the call and I 'd like to email that call to you. Finally every time I call I 'm told is different amount is due when I pay that amount the next month they tell me that was n't enough so now you owe extra and our fees this is a scam. Also I 've never received one statement in never received one statement in the mail. Please look into this and let me know where I can send the recording they trip all over themselves backtracking trying to come up with reasons why there 's fees what the fees are for and how much they are it takes her an hour to try to just tell me that. They put me on hold for long periods of time I was on the phone perhaps two hours it seems like. Unprofessional and seems to me like a scam or somebody scraping money off the top. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX  fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX Open Date : XXXX XXXX XXXX Balance : {$0.00}. Please delete this account ASAP.
Product: Credit reporting or other personal consumer reports

Lacking proof of my updated account These accounts do not belong to me
Product: Credit reporting or other personal consumer reports

My information was used without my knowledge or consent as I am victim of human trafficking of Debt Bondage. Please delete the following accounts. XXXX XXXX XX/XX/XXXX BALANCE - {$1100.00}. XXXXXXXX XXXX XXXX  XX/XX/XXXX BALANCE- {$1500.00}. XXXX XXXX XX/XX/XXXX BALANCE - {$4900.00}. XXXX XXXX XX/XX/XXXX BALANCE- {$2900.00} XXXX XXXX XX/XX/XXXX BALANCE- {$1500.00}. XXXX  XXXX XX/XX/XXXX BALANCE- {$1300.00}. XXXX XXXX XXXX XX/XX/XXXX BAL- {$8600.00}. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX BAL- {$3600.00} XXXX XXXX  XXXX XX/XX/XXXX BAL- {$73.00}. XXXX XXXX XX/XX/XXXX BAL- {$120.00}. XXXX XXXX XX/XX/XXXX BAL- {$10000.00}. XXXX XXXX XX/XX/XXXX BAL- {$920.00} XXXX XXXX  XX/XX/XXXX BALA- {$6200.00}. XXXX  XXXX XX/XX/XXXX BAL- {$500.00}. XXXX  XXXX XX/XX/XXXX BAL- {$320.00}. XXXX XXXX XX/XX/XXXX BAL- {$3900.00}. XXXX XX/XX/XXXX BAL- {$73.00}. XXXX XXXX XXXX  XX/XX/XXXX BAL- {$1100.00}. XXXX XXXX XX/XX/XXXX BAL- {$3700.00}. XXXX XX/XX/XXXX BAL- {$7500.00}. XXXX XX/XX/XXXX BAL- {$590.00}. XXXXS XX/XX/XXXX BAL- {$2400.00}. XXXX  XX/XX/XXXX BAL- {$3600.00}. XXXX  XX/XX/XXXX BAL- {$8600.00}. XXXX XXXX XX/XX/XXXX BAL- {$8300.00}
Product: Consumer Loan

case # XXXX Lender made a direct false statement and committed and action against the statement they made as below " quoted from Gateway 1 '' please see below in quotes ; " Please note that Gateway has already submitted a request to the consumer reporting agencies that your account be reflected as in dispute. In addition, Gateway has ceased all collection activity associated with your account as we attempt to resolve the situation with the dealership in question. '' Gateway 1 has made the " claim '' that in addition to reporting my case to credit bureaus as in dispute, that Gateway 1 would, " in addition cease " all '' collection activity associated with my account. '' Well, that 's proven to be a blatant lie, and false statement, as they have not only not ceased collection activity, they 've acted on collection activity by physically " repossessing '' my vehicle on private property and allowing extortion activities to commence by the company that repossessed my vehicle. Company name that repossessed my vehicle is XXXX XXXX XXXX. I had to call the policing authorities to stop the extortion activity of XXXX XXXX XXXX. 
My case in point is, this Lender continues to make false claims, continues to deny my resolution to return my money and losses due to a Predatory Loan initiated by them, the lender continues to neglect sending me written notices via mail of any proceedings, actions, resolutions, resolved, findings of investigations of my victimization, cooperation of any kind. Gateway 1 has done nothing but continue to purposefully lay a heavy burden on me as a victim of a crime and they continue to deny assistance in a loan they initiated, undertook in their discretion without doing their due diligence on the collateral they issued payment for in form a loan, and are now putting 110 % of their " mistake '' and " incompetence '' as a lender licensed, on a Victimized consumer, myself, XXXX XXXX.
Product: Debt collection

Disputed a collection I was unaware of. Dispute never processed or investigated, but shortly thereafter started receiving threatening letters regarding debt owed that I was never made aware of. Requested verification of debt several times via mail and fax, and only received a copy of a judgement that was filed in XX/XX/XXXX that again I was never aware of. Never received notice of lawsuit filed, never received notice of right to dispute, never received itemized or detailed information about what the balance pertained to. Never received eviction notice, was never contacted nor followed up with. After several attempts to validate debt and dispute collection, have sought legal representation to pursue action.
Product: Credit reporting or other personal consumer reports

Ive been through XXXX XXXX, and while I was being exploited, my personal and financial details were misused without my permission. This led to fraudulent accounts and debts being created in my name. Id appreciate it if you could look over my credit report considering this background and help fix any mistakes or fraudulent actions that have taken place. Ive included documents from the appropriate authorities and organizations that can confirm my situation.
Product: Credit reporting or other personal consumer reports

I received a declination notice from Bank of America regarding an attempt to open an account on XX/XX/year>. I did not submit this request. On XX/XX/year> I proceeded with putting a fraud alert on my credit report. On XX/XX/year> I got a notification from XXXX stating that there was a hard inquiry on my credit report from XXXX XXXX. I did not submit anything with XXXX XXXX.
Product: Vehicle loan or lease

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX On or about, XX/XX/XXXX I received a XXXX notice from the IRS. The notice stated that the IRS received a Form XXXX from XXXX XXXX on XX/XX/XXXX. The Form XXXX reported a cancellation of debt in the amount of {$8400.00}. This caused my XXXX tax return, which was filed on or about XX/XX/XXXX, to be flagged for review. The IRS is now stating that I owe {$4400.00} for not reporting the income on the XXXX. 

The issue that I am having is that I filed for Chapter XXXX Bankruptcy and the debt owed to XXXX XXXX was discharged in XXXX. Apparently, XXXX XXXX depends on a third party to receive bankruptcy notifications. They never received notification of my discharge and therefore, was showing my debt still being owed. This was no fault of mine. 

After eight years, XXXX XXXX decides to file the XXXX. Upon receipt of the IRS notification, I contacted XXXX XXXX. I advised them that the debt had been discharged. I spoke with a bankruptcy representative named XXXX. She pulled a copy of the discharge from PACER and promised to re-open my account in order to flag it as a bankruptcy discharge. She also promised to reach out to the finance team to have the XXXX situation corrected. 

I waited two weeks and called back to follow up. At that time, I spoke with XXXX. XXXX was very helpful and noted that XXXX did not follow through on my request. Upon permission from her supervisor ( XXXX ), XXXX reopened my account while I was on the line. She added a discharge to it and submitted the request to the finance team. After a week, I called back and spoke with another representative who was very abrasive ( I did not get her name due to the tone of the conversation ). She told me that I had to contact my tax professional because they had filed the form. She stated that the supervisor ( XXXX ) told her that there was nothing further that could be done. 

This was contrary to all that I had been told. After being told that she wasn't going to argue with me, I informed this representative that I was going to hang up and call back. When I did, all of my information appeared to have been deleted from the automated system. 

I got another pleasant representative, I didn't get her name either, but she transferred me to XXXX. XXXX advised that the finance team was being unresponsive and she couldn't give out their contact information. I went on to explain to her that this was the fault of XXXX XXXX for not doing their due diligence in managing their bankruptcy accounts. 

I now owe the IRS and they have confiscated my tax refund. This by no means was my fault at all. Because XXXX XXXX erroneously filed a XXXX eight years after the discharge, they should be held liable in fixing this. They are breaking Federal Bankruptcy laws by pursuing a debt after it has been discharged. They have a team of professionals that have the ability to expeditiously correct this issue.
Product: Mortgage

Mortgage was transferred to Rushmore Loan Management Services, XXXX XXXX XXXX, XXXX, Ca XXXX. Mortgage payment is due XXXX of month. I sent payment by automatic transfer from my bank on the XX/XX/2019.0n XX/XX/XXXX a statement was sent saying my next payment would be due XX/XX/XXXX19 for XXXX and XXXX payments.Icalled them and they said payment was received by them on XX/XX/XXXX and to disregard letter. I complained to them that electronic transfer was received on the XXXX when I sent it and they hadnt bothered to record it until the XXXX. That same day I spoke to them I received another notice dated XX/XX/XXXX that said my mortgage was delinquent and I owed not the {$1700.00} payment but {$1800.00}. Please help. Thank you XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I saw a long-time friend on XXXX posting to sell some things. I reached out to them via XXXX  and double checked that it was not a " new '' friend and made sure I was talking to this person on this account that I was familiar with. I was aware of scams of people adding new friends that appeared to be someone you knew, but I did not know that people could actually get into an old friend 's account and act as them. They wanted a deposit to hold the item ( a truck ) which didn't seem weird as they were high quality items that would sell quickly. They gave me the Zelle name, stating it was the family account as this was said to be being sold because the dad was sick and going into long-term care and they needed the money, I thought the name they gave me was the wife of the dad who was sick. They even gave me the address to meet them at in our city which was legitimate. I then sent the {$500.00} through Zelle through my banking app, XXXX. Then I received a weird text saying that the funds were refunded by the recipient due to " Limit copyright XXXX Early Warning Services LLC ). I reached back out to my " friend '' and he then stated something about how he needed to switch accounts to the Savings account and to re-try but only send {$490.00} so the funds wouldn't be rejected from a duplication. This is when things started to seem extremely strange to me. I immediately called my bank who confirmed that this must be a scam. I asked them to immediately stop payment since this had just happened minutes ago. They stated that all transactions were final and that they could not do that. They did say they would put in a fraud claim for me, but that it was unlikely that I would have the money returned. This is crazy to me considering anytime you send money there's usually a wait period of at least a little while before someone could actually pull the funds, so I don't understand why they don't have protections in place to avoid these circumstances. I can not imagine I'm the only person who falls for this. I reached out to XXXX to report the scam immediately and received a notification that everything appeared legitimate. I tried to report it again to see if they would allow me to type in a description, but they only had pre-determined checkboxes. I said something to the fake friend in the message when he asked if I had re-sent the money, and they must have blocked me so now I can not even retrieve the conversation that transpired. I did finally reach my friend who said that this has been a huge problem, and I was not the only person this happened to.