23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some invacuate accounts reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in written composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim. 
THIS IS MY OFFICIAL WRITTEN COMPLAINT! 
XXXX XXXX XXXX FOR THE DATES OF XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM ANY AND ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. 
DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. 
To be clear, you are mandated by laws to eliminate every notation and or aspect of ANY AND ALL derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. 
PLEASE FIX MY REPORT WITHIN 4 DAYS!
Product: Credit card or prepaid card

I made an order {$230.00} on XXXX back on XXXX and I never got my item. I filed a dispute with Barclaycard and Barclaycard sided with me and then a couple months later overturned it and forced me to pay it. They closed my account. I can no longer access my account. I still never got my item.
Product: Payday loan, title loan, or personal loan

Title max illegally repossessed my car after failing to acknowledge my freedom on information request by law and failing to cancel the contract and violated 15 usc 1692e false and misleading representation they fraudulent sent mail under 18 usc 1001 they violated the truth in lending failing to properly disclose the the truth in lending act and also violated fair debt collections act.
Product: Debt collection

I had a purchase from GAP more than 2 years ago. They asked me to do a membership to get a discount and to pay anything online. 
there were a third part which is synchrony bank I missed to the payment on time as I moved from my place A month ago, exactly on XX/XX/XXXX, I called the bank to do my payment, they switch me to the collection and I talk with some of it's representative The original payment was {$200.00} I paid around {$400.00} before and that day they said I have to pay after a deal around {$450.00} I scheduled the payment in 6 months, XXXX each month I did my first payment on XX/XX/XXXX 3 days later, I called the collection to do the remaining 5 payment at once and close my case. 
I did them and I asked the representative if I have any other payments in the future and he said never I called them after that day 2 times to confirm my payments and they said that I will get a report after 21 days from my last payment to confirm that After a month and exactly on Last XX/XX/XXXX, I found there is a XXXX was withdrawn from my acc I called the customer They said it's a mistake And they will refund me within 21days And the report will be after 21 days My credit score affected as I should show complete payment and it still not shown Also they withdraw a money over than the payment I should not wait 21 days to get my money plus I am not guaranteed that this will not happen in the future
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've spent 3-4 hours trying to get XXXX  to provide my XXXX and XXXX credit reports so that I can negotiate a mortgage with a lender on a home deal that will expire soon. I received the XXXX report online just a few minutes prior to requesting my XXXX and XXXX, so why suddenly have I lost access to those reports? VERY FRUSTRATING! 

Unfortunately, they refuse to provide it to me online, requiring me to order by phone. So, instead of getting my credit report immediately, like everyone else, so that I can have a chat with a lender next week they 're now telling me that it may take up to 15 days just to process my report before they will even send it. The house I 'm interested in wo n't wait that long. 

I simply want to register how unfair it is that these credit reporting companies can hold our credit hostage despite no fault on the part of us consumers. Fact is, they have my information within easy access, but simply refuse to send it. Why on earth does it take 15 days just to process it? I can understand 24, or even 48 hours, but 2 weeks? And it 's 2018, for crying out loud, why am I having to receive it by mail?
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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: Debt collection

I had an account with XXXX. My equipment was all picked up when I was n't home. I did n't get to sign anything or I did n't call them. They got all of their equipment and my bill was about {$300.00}. They charged me {$470.00} more than I supposed to pay, leaving it {$770.00} in collection. I got the issue resolved and I currently have my services active for a year straight right now. Now it says the same thing again and its ridiculous. I 'm getting cheated here.
Product: Student loan

The university returned a portion of my student aid without informing me until after the term was completed. I was enrolled for a certain number of hours. I was unsuccessful with one class. The university had already received my financial aid package and applied it to fullfill the balance. However, at the end of the term, they returned a portion of the funds because i was not successful in a class. They did not correspond with me prior to doing this or inform me that it would happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of inquires below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account ending in XXXX the amount is XXXX they have violated my rights XXXX XXXX XXXX inquiry dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they have violated my rights. 

XXXX XXXX  inquiry XX/XX/XXXX they have violated my rights. 

XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

US SM Bus Admin ODA inquiry on XX/XX/XXXX and XX/XX/XXXX they have violated my rights. 

XXXX XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

XXXX XXXX XXXXXXXX XXXX inquiry on XX/XX/XXXX they have violated my rights. 

150 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an account with XXXX  XXXX XXXX XXXX and will be denied if I'm unable to have this information from XXXX XXXX. I was told there was account reported on XXXX XXXX with my name, address but the wrong social security number. This account was reported by Bank of America for suspected fraud. I have been unable to get in contact with Bank of America because the phone system doesn't allow you to speak with Customer Service without a valid account number or social security number. 
I also tried to contact a local Bank of America with no response. I submitted a dispute with XXXX XXXX and I am waiting for a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I have never shopped at XXXX XXXX XXXX in XXXX, IA and This company is stating I had a credit card out for over {$400.00} and I never applied for one let alone I have never shopped at this place. Please remove this from all credit bureaus and off my credit report as this is hindering me from purchasing a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting an unverifiable, inaccurate bankruptcy on my credit report. From the court name, to reference number, all the information is reporting inaccurately and WRONG. These reporting agencies claim to have gotten this information from XXXX XXXX. XXXX XXXX has sense removed this inaccurate information, and currently are looking to be sued by my attorney for the damages brought to my credit report. Furthermore, the court house whom is the original creditor, responded that they do NOT furnish this information to the credit reporting agencies nor do they furnish this information to third parties such as XXXXXXXX XXXX
Product: Mortgage

Beneficial Mortgage Co. and XXXX  XXXX  XXXX. were subsidiaries of HSBC Finance Corporation and organized in the State of Delaware. It appears that Beneficial, HFC companies, and HSBC Credit Centers have closed their consumer finance businesses in the United States. In 2008 a lien was place on my home in the amount of XXXX. Home address XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX county. The loan was paid in full and the loan company closed due to being a predatory lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Balance {$400.00} XXXX XXXX XXXX  XXXX Balance {$120.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Debt collection

I cancelled my XXXX account in the summer of XXXX. After closing my account, I was told that I owe {$310.00}. After multiple phone calls with customer service and eventually having to go to the XXXX store twice, I was assured on the phone that the account was XXXX out and I did not owe any money. There should be recordings of these phone calls. 

In XX/XX/XXXX, I was sent the attached letter saying that XXXX owed me {$310.00}. Not one to turn down free money, I returned the letter to XXXX. I never received a check or credit, instead, I started receiving bills. I attempted to call XXXX regarding these bills but they were unable to talk to me because I could not remember my account passcode and required that I go to the store. Due to the COVID pandemic and the fact that this issue had been fixed, I was unwilling to go to the store. 

In XX/XX/XXXX, when applying for a very important loan, I learned that I had been sent to collections from XXXX for the amount of {$310.00}. In my haste to attempt to fix my credit score so I could qualify for the important loan, and because I was told I could request a refund from the collections agency within 30 days, I paid the debt. On 4 occasions, I attempted to cancel the paid debt with collections and request a refund so that I could have this removed from my credit score permanently, however, the collections agency refused to refund my money. They told me to file a dispute with my credit card company, which I have done. 

I also sent the attached email to both XXXX and the collections agency on XX/XX/XXXX, and I have never received a reply from either company. 

I honestly don't even care about the money at this point, which is why I paid the collections agency, not realizing that it stays on my credit report for 7 years, anyway. I am just very, very disappointed and upset that I can not qualify for my loan and this has had such a hue negative impact on my life. I am at such a loss and feel so powerless. I did not ask for any of this and have tried so hard to fix this without anyone being willing or able to help me. My credit score has been ruined and I would like this incorrect debt to be cleared from my report.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to rectify this issue with Experian. They have failed to reinvestigate the following accounts which is my right as a consumer under the FCRA- XXXX Locator # XXXX XXXX XXXX Locator # : XXXX XXXX Locator XXXX : XXXXXXXX XXXX XXXX Locator # XXXX XXXX XXXX XXXX XXXX Locator # XXXX XXXX
Product: Credit card or prepaid card

Applied for the offer that stated earn XXXX XXXX  bonus miles when you complete $ XXXX in purchases and also receive a {$100.00} statement credit after making a purchase on XXXX within 30 days or so. I completed all the requirements back in XX/XX/XXXX right before the date to complete the requirements within, i have yet to receive my XXXX miles and my {$100.00} statement credit. I feel i have been a victim of credit fraud where amex simply just lured me to sign up and never delivered the promised. I have immediately stopped using this credit card and will not use it again ever, i have also spread the word among my family and friends to never sign up for XXXX, as they are in shady business.
Product: Credit reporting or other personal consumer reports

My info was sold and bought illegally because I was a victim of the Equifax datd breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit. Also I called Equifax in regards to clearing my debts multiple times, and Equifax did nothing to help me, and raise my credit score.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by XXXX. Pursuant to 15 U.S.C. 1681o, which holds credit reporting agencies and furnishers liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), I am requesting immediate correction of the following erroneous data. 



Disputed Information : Account Name : XXXX, XXXXXXXX XXXX XXXX  Inaccuracy : Account does not belong to me Correct Information : Account does not belong to me I have attached copies of relevant documents that support my claim. 
Under 15 U.S.C. 1681i, credit reporting agencies must investigate disputes within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. Furthermore, failure to comply with the FCRA due to negligence makes the responsible party liable for damages under 15 U.S.C. 1681o, including any financial harm I have suffered as a result of this error.

If the disputed information is not corrected within the legally mandated timeframe, I will pursue further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages in civil court. 
I request a written response confirming the resolution of this dispute. You may contact me at the address or phone number listed on my file or contact me for a better contact.
Product: Mortgage

XXXX XXXX XXXX sold my loan to M & T Bank , M & T Bank messed up my escrow account, causing my payments to double. I was advised by another banker to default my loan for them to fix my escrow. Upon doing so, M & T Bank offered a loan modification. The first loan modification was rejected because one signature was not shown on the documents and I was not advised. M & T Bank started a second loan modification which was approved. During this time, I had ALWAYS made payments as they requested, however, once the loan modification processed it showed I had not paid for years, which is completely UNTRUE. I am looking to purchase a second home and need these missed payments to be removed.
Product: Debt collection

Resurgent Capital Service was sent two certified letters requesting debt validation pertaining to a debt letter from them which was physically mailed to my residency. The letter stated I owed LVNV Funding Debt Collection for an unpaid XXXX XXXX XXXX XXXX. I wrote back to Resurgent Capital Service, debt management agency for LVNV Funding asking both companies to validate the debt by mailing me a signed contract with my signature and their signature for conducting business with them as well as the ledger of invoices pertaining to the debt they are claiming from me. 

I have not received the signed contract with my signature nor any invoices.
Product: Credit reporting or other personal consumer reports

XXXX account # : XXXX XX/XX/2022 XXXX  Account # XXXX Date Opened : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Account # XXXX The Fair Credit Reporting Act grants me the right to challenge any inaccuracies in my credit report. It mandates that all information in a consumer 's file must be thoroughly documented and validated before being used by creditors. I take this responsibility seriously, as the allegations of delinquency and derogatory remarks against me are untrue, and I am prepared to vigorously contest them. The accuracy of my credit report is paramount, and the mentioned allegations do not meet federal or state reporting requirements. 

I contest these claims due to their failure to comply with basic reporting standards, which undermines my confidence in the information presented. It is imperative that you adhere to the obligation of maintaining and reporting data with absolute accuracy and compliance. Reporting claims that do not meet regulatory standards is prohibited, and it is essential to ensure that all information is accurately and correctly reported, as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2.

I request substantiating evidence that justifies the negative status of my accounts. Any inquiry or account in my report must have a permissible purpose, and I expect this to be clearly demonstrated. This letter serves as a formal notice of your failure to fulfill your responsibilities. If this matter is not promptly addressed within the next 30 days from the date of delivery, there may be severe consequences. I trust that you will rectify the inaccuracies without the need for further intervention or escalation.

Additionally, I request physical proof of your actions and an updated credit report reflecting accurate and verified information. The claims listed in my current report appear to be inaccurate, and I insist on receiving correct and verified information promptly.
Product: Payday loan, title loan, or personal loan

XX/XX/2020 with the response and sent back they made a bunch of Lies it's the true they harassed me making threat calls what all you said in that respond with notebook telling stories and I'm asking for this to get disputed off my credit report you ain't never tried to work with me help me on this year show me proof send Consumer Finance through what you told in that statement you don't send the pru it's all a bunch of Lies
Product: Credit reporting

THIS IS NOT A DUPLICATE ... 

I have been trying to get Experian the information they are saying to be more specific about AND ... They have now locked me out of my account ... So I can not get the account numbers. I want someone from Experian to call me ASAP. How do we let people like this keep ruining peoples life 's? I Have XXXX bankruptcy on my file..Not sure how they do n't know what I 'm talking about?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX is still reporting a paid closed checking account on my Equifax credit report as open. Sent the last dispute request to Equifax on XX/XX/XXXX to delete incorrect information. I have tried to get this removed on several occasions due to the inaccuracy and paid status, but XXXX fraudulently is still reporting this account as open. XXXX XXXX XXXX XXXX response from the Equifax investigation received on XX/XX/XXXX was information was accurate-account is open, the type of loan is 'deposit related ' and updated the information to XX/XX/XXXX. Explain to me how a paid/closed banking account from XXXX is still reporting as open in XXXX with no account history on a closed account? Plus, under Type of Loan on my credit entry it has-deposit related. When is a closed checking account reported on one of your major credit reports? AND, I have never had a loan with this company. I have not banked with this company since XXXX. There is no current checking or savings account with this company that is open, yet they continue reporting this as an open account, which is a fraudulent practice and a violation of FCRA.