23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX  has been non-compliant with removing the unverified account PENTAGON FEDERAL CRE which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that PENTAGON FEDERAL CRE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX My wallet was lost that included my drivers license, social security caard, and other forms of identificaiton outside of my house and since then there have been severalfraudulent account opened in my name student loans, utilitiy bills, car loans, credit cards, home leases, and Idont know what elese. I have fi led a police report as well. I would like for all of these items to be deleted from my credit profile. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! 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, docu-mented 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 deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a loan of XXXX dollars opened in XX/XX/XXXX, as a joint loan. With preferred credit that was closed on XX/XX/XXXX. I have never had a joint loan, and never with perferred.credit. never even heard of the company until now. I would like it taken off my credit report. I am a single mother trying to get into a house that this keeping from renting.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
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 XX/XX/XXXX XXXX XXXX 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 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
Product: Mortgage

I recently learned that I have been making double tax payments on my property every year since I purchased my home in XXXX. I receive annual tax bills from XXXX XXXX and pay them while making monthly tax payments through my escrow account with my mortgage company- Bank of America XXXX I have never been refunded for my duplicate payments. 

I have tried to get a resolution through Bank of America but I keep being transferred to endless automated systems. I have tried to reach out to XXXX XXXX but their automated systems error out or put me in a continues dead end loop. I can't get anyone live.
Product: Credit card or prepaid card

My credit card was used fraudulently in XXXX of 2022. I am attaching my statement where the charges are found on XX/XX/XXXX and XXXX. I have tried to resolve and placed a dispute with Bank of America and after about 5 weeks they put the charges back on because they said a chip was used. The card was in my possession the entire time. The last two charges I made before the eleven charges that are not mine was at a restaurant called XXXX XXXX and XXXX in Washington DC on XXXX XXXX.The charges that are not my charges are ( all on same day that I did XXXX XXXX  and XXXX ) XXXX XXXX  XXXX XXXX {$130.00} XXXX # XXXX {$320.00} XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX {$160.00} XXXX XXXX Va I do shop at XXXX sometimes but never at XXXX I do not like this store. {$310.00} XXXX XXXX {$49.00} XXXX XXXX XXXX {$19.00} XXXX XXXX XXXX {$29.00} XXXX XXXX XXXX XXXX Va XXXX XXXX XXXX XXXX XXXX XXXX Va {$44.00} Please help with this issue I am a Washington DC XXXX, XXXX XXXX XXXX, with XXXX on my XXXX and make a very good living. I have no reason to be filing this except I feel like my character and finances are in doubt. I am very unhappy how Bank of America is handling this I have been with them many many years about 20 and Have no reason to try and fraud anyone. XXXX XXXX. I was issued a new card
Product: Checking or savings account

To be clear up front : I have NO relationship with Mission XXXX XXXX XXXX XXXX XXXX XXXX, nor XXXX XXXX, and NEVER have. No credit cards, no business accounts, as far as I recall I've never even walked into a XXXX. All mail discussed is paper mail sent through the post office, not emails. 
I recently received XXXX putative XXXX account statements for XXXX and XXXX ( both arrived within a couple days of each other in the new year ). These give every appearance of being real account statements with my personal information, a " member number '' and some partial account numbers. I have also received various " welcome '' mailing packets of the type commonly associated with a bank account : e.g. " use our app '', " enroll in paperless banking '' According to these statements, I now have XXXX accounts at XXXX : XXXX XXXX XXXX XXXX XXXX XXXX. Each shows being funded at the end of XXXX by a {$5.00} " Deposit ACH XXXX XXXX BANK ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANK '' - did I mention I also have no relationship with XXXX XXXX or their successors? The XXXX statement indicates they are withdrawing a {$7.00} " Withdrawal MONTHLY XXXX XXXX '', such that there is an indicated negative balance on at least XXXX of the accounts now. This is the first contact I have received from them. 
I never requested or authorized any of these accounts or interacted with either of these banks. I have not opened any new credit cards or priced loans or done anything financial that would involve new accounts in my name for YEARS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXThis is not a duplicate complaint*********** On XXXX I sent a certified letter to XXXX, enclosed was a Notarized Affidavit of XXXX and my request for Method of Verification of debt. XXXX responded with a copy of XXXX XXXX XXXX. They never rebutted my affidavit, nor did they provide me with the XXXX of XXXX. In my affidavit I stated that XXXX a natural person and the original creditor. See attached Theyve never rebutted my affidavit of truth that stated XXXX the original creditor nor responded to my request of XXXX of XXXX. Theyve only responded with a copy of the promissory Note. They did not provide the XXXX contents of Validation of debt per 15 U.S. Code 1692g ( a ), specifically the name and address of the ORIGINAL CREDITOR, if different from the current creditor. Notice, it is a fact, an UNREBUTTED AFFIDAVIT STANDS AS TRUTH - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Notice, it is a fact, I, the affiant, is the consumer and original creditor, this alleged debt is not Valid. Notice, it is a fact, I, the affiant, is a consumer and a natural person in accordance with 15 U.S. Code 1692a ( 3 ) Notice, it is a fact, pursuant to 15 U.S. Code 1692a ( 4 ), the term creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor in fact. Notice, it is a fact, pursuant to 15 U.S.Code 1692a ( 5 ), a debt is any obligation or alleged obligation. Notice, it is a fact, nothing within the subsection of 15 U.S. Code 1692g ( a ), validates a debt. This section of the FDCPA simply states a requirement of the debt collector to deliver, to I the consumer and affiant, in the process of validating a debt. No debt has been validated, and I have never admitted any liability of this alleged debt in the past and I do not claim liability now. No proof of claim can be validated without the requested information in the affidavit herein is provided to the affiant.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan on XX/XX/2023. On XX/XX/2023 I received an email from Freedom Plus stating that I had been approved for a personal load for {$5000.00}. Attached to the email was the Loan terms and conditions. I called the representative that was in charge of my approval as stated in the email. He said that in order to verify the account numbers are correct they are sending me {$900.00} by direct deposit. Within a minute I had a text message form my bank that there were multiple deposits made to my account. Then the representative told me that I needed to send that money back and they would send the {$5000.00} that I was approved for. I asked why they couldn't back that payment out and they said that it would not look good on a credit bureau to do that. This happened a few times during the day. I finally said " NO MORE '' and did not return any of there phone calls/text messages. Then I received a text message from them stating that if I didn't return the last deposit of {$900.00} and {$300.00} they would be taking legal action. Then next morning I received a text message from by bank that I was being removed from the early pay option. I went to go look at this and found that they had backed out all the deposits that were made and kept all money that was send to " Return '' their funds. This left my account {$1500.00} overdrawn. I have text the representative that I want to be contacted by a manager and that my bank has been informed of the situation and that the least they should do is make my account correct by sending me the {$1500.00} that they in essence stole from me.
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX I am writing to formally dispute the late payment ( s ) reported on my credit report for my account XXXX. According to my records, the following late payment ( s ) were reported for the months of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you provide verification of these late payments, including any documentation that proves I was late during these months. If you are unable to provide this evidence, I ask that you either update the late payment status or remove the account from my credit report entirely. Please respond to this request within XXXX days, as I am committed to ensuring the accuracy of my credit report. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in MONTHS REPORTING LATE to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I have written to XXXX on a minimum of three occasions requesting proof that this account is mine. I have no recollection opening an account with them and certainly did not fail to pay any amounts owed. They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. This charge off is harming my credit profile and score.
Product: Credit card or prepaid card

On XX/XX/2020 I placed an order for a new XXXX with XXXX. During the checkout process I was offered an XXXX XXXX XXXX for interest free financing. I decided to apply for this card during the purchase. I began the process on my personal phone ( but purchasing for my wife ) but during the trade in process, it seemed to want to trade MY device, not my wifes. To make this process easier, I switched to my wifes phone to complete the purchase and apply for the XXXX XXXX XXXX. I put all of MY information, had to send in pictures of MY drivers license, proved MY phone number, MY social security number, and Goldman Sachs ran MY credit. Nowhere during this entire process did it mention that I need to use MY device so it is linked to my XXXX ID and phone. After the purchase I noticed I could not add the card to my phone. I contacted Goldman Sachs who told me I was unable to add MY card to MY phone. It will forever only be accessible via the physical card or my wifes phone. They are not able to switch the email associated with the account! So now I have a credit card with a financing agreement in place for TWO YEARS before I can close the credit card, but I cant even see my bill for my credit card which reports to my credit report on my phone. Apparently there isnt any way to even pay your bill outside of the linked XXXX ID. How can this be legal? How is this right? What if I had used a public phone to complete the purchase without any warning from XXXX or Goldman Sachs that any random person would have full access to my credit card and account info, but not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting incorrectly a balance due in the amount of {$4800.00} on the XXXX  - partial account number XXXX. Experian and XXXX  are reporting correctly a {$0.00} balance due on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) The vehicle was sold at auction and sold for more than the outstanding balance due and consequently there is no balance due. This account needs to report a {$0.00} balance. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So this on all three reporting agencies reporting my credit scores. Have attempted multiple times to get it off PNC has no record of it yall can pull tapes if need to I dont know anything about this want this off my credit report expadicly. Need help cant understand how companies can validate this. I know nothing of this dont want any part or anything of this.
Product: Credit card

I have an account with CASHAPP. They had issued me a credit card to use to withdraw my money. On XX/XX/year> I was told by " Support '' that I had violated some of their " Terms & Agreement '' codes. For that they closed my account with a balance of {$500.00} I have not been able to access that money and I have tried. They have said that i can file an appeals complaint with them which will be reviewed and escalated if necessary to resolve the matter. They have also said that I can withdraw the funds by transferring it to a bank account that I have. I am not able to do that either. I am a XXXX XXXX XXXX XXXX  citizen on a limited income. I could use that money. It's not a lot of money to them but it is to me. 
If I have done something wrong what makes them Judge and Juror over my money and how I can spend it? They refuse to tell me what was done wrong by me. They state that they can't tell me what i have done wrong because it's against their security protocols. That is the most ridiculous thing I have heard. If they are going to make such statements like that then as a consumer, I should be given an appropriate explanation from them ... in writing!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian due to their failure to address my dispute of unauthorized inquiries within the legally mandated timeframe. I sent a dated and time-stamped dispute letter on XX/XX/XXXX ( attached ), detailing that certain inquiries on my report were unauthorized and accompanied by an FTC report as evidence. Under U.S. law, these inquiries must be removed promptly. Over 30 days have passed with no acknowledgment or corrective action taken by Experian. I, XXXX XXXX, confirm that the following accounts were unauthorized and are to be removed from my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested copies of my credit report from the three credit bureaus. One of them, TransUnion has lowered my score since my first request three months ago. Additionally, some of my accounts have not been properly adjusted since they have been paid off.

My ability to obtain a house has been severly hampered as a result of the inaccurate rate placed on my file.
Product: Credit reporting or other personal consumer reports

For months now Ive been trying to get information and asked them to investigate this collection ( ( National credit Bureau ) ) on all 3 credit bureaus. 

The credit Bureaus told me that all the information was verified but with XXXX XXXX dates were wrong from the beginning and also much different with different addresses. Also the last date updated on all 3 bureaus are inaccurate, last date accurate not reported. 

They also violate my rights under 15 U.S.C 1681 section 604 A The law is stated that a consumer reporting agency cant be furnish a account without my written instructions I havent given those accounts written permission to furnish that account on my credit report as well I started this with CFPB for investigation on XX/XX/2023. 
It hasnt been updated since XXXX.
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  Account Number:XXXX  Account Name : XXXX  XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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 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.