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

This is a formal complaint that XXXX, Transunion and XXXX are reporting inaccurate and incomplete information on my credit report. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. The notation of the following late payments is INACCURATE. I have notified each bureau in writing about the inaccuracy of information in my credit file. Under FEDERAL LAW the credit bureau must modify or remove inaccurate or incomplete information. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance, whether reported or not. 

Account : Dept. of Education/XXXX  Account XXXX : XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX, NE XXXX Phone Number : ( XXXX ) XXXX For reference : All XXXX accounts, the creditor reported XXXX XXXX " Current/Terms met '' ; XXXX XXXX " Past due 90 days ''. This is impossible and therefore inaccurate!!!! These INACCURATE accounts should not be furnished on my consumer report as they are in VIOLATION!! 

Please update all payment history for these accounts to XXXX  status ( Paid As Agreed, Never Late ) according to consumer protection laws or delete from credit report IMMEDIATELY.
Product: Credit reporting

Experian is reporting my private information without verifying the accounts being reported. This is is in violation of Section 609 of the Fair credit reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX loan for {$500.00} fell behind after job loss. This company used the XXXX XXXX app, and requires a subscription service to access these {$500.00} loans that can be repaid and taken out repeatedly. The service advertises that the membership can essentially pay for itself by having you deposit money into an investment account. 

Due to job loss, I was no longer able to pay for their membership and unable to access the details of my account. After some time, the company sent me a notification around XXXX of XXXX that funds from my investment account were used as a payment for the loan. From then on to XX/XX/XXXX, I had received no correspondence by email or physical mail to my address regarding this account. 

As such, I filed a dispute with XXXX, XXXX, and Experian with regards to this account because it had not reported any payment history since XXXX of XXXX. On XX/XX/XXXX in response to my dispute, XXXX reported 13 consecutive missed payments to my report, all but 3 reported as 120 days late. Some payments are egregiously reported as 120 days late such as XXXX and XXXX of XXXX, even though 120 days has yet to pass from those time periods. 

On XX/XX/XXXX, XXXX was paid {$230.00}, the remaining balance on the loan upon discovering the payment history update to my reports. I explained to a representative the situation that I received no notifications or notices regarding the status of this account until this very dispute and I was directed to a form for them to perform an investigation. I had asked for adjustment to the report due to the unfair and egregious reporting. 

On XX/XX/XXXX, XXXX XXXX team responded back via email with an aggressively worded response, stating that no adjustments will be made and that they " will not respond to further request that is substantially the same as the previous request ( s ) submitted by you or on your behalf ''. 

I fully acknowledge that my financial situation at the time did not allow me to make payments as agreed. However, once my account had fallen behind, the company made no attempt contact with me for over a year to address my account after my investment account had paid for it. To report no information on my reports in that entire time frame until a dispute was filed feels incredibly aggressive and egregious considering the circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy. 
15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

ACCOUNTS : XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXXL XXXX XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

after 4 years and AFTER my social UNsecurity number and other personal information was HACKED AND LEAKED by the incompetence of XXXX all of a sudden a debt collection for natcred in the amount of XXXX dollars showed up on my report no collection agency is going to wait 4 YEARS!!! to start collecting that is utterly moronic. all that XXXX AND Transunion did as far as an investigation goes is contact the debt collector for confirmation which 10 out of 10 they ALWAYS SAY YES. This is proof of a sheer lack of proper investigation and proper procedure on there parts. it illuminates how they never care about the consumer and that the consumer is always just a liar. when the fraud here and incompetence has been committed by XXXX leaking all my information to be used by real criminals. also XXXX has a bunch of incorrect information on accounts that were closed when I filed for bankruptcy BUT they have them listed separately because they refuse to do a proper investigation into those accounts and request the bankruptcy papers from the FL court it is not my job to provide these to them and I am XXXX they can request the info and READ THE FACTS themselves, which were cleared in my chapter XXXX bankruptcy of XXXX XXXX XXXX, XXXX and XXXX XXXX it has always been an uphill battle with these people and a waste of time they never, EVER!!! TREAT the consumer as a client we are ALWAYS considered criminals that do n't pay for anything. IM SICK AND TIRED of this ineptitude and lack of respect by these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection account is reporting as a open ... with a pass bal and the credit reporting agencies is reporting this inaccurate information... the account is the US department of education the amount is {$4500.00} reporting date as XX/XX/2023 XXXX
Product: Debt collection

While in XXXX allegedly a camera issued an electronic restricted parking violation. There was no paper ticket left with the car, no person present that issued the ticket, no photographic evidence showing the car was near a sign specifying no parking. There is no proof of any kind of a violation other than the XXXX/ debt collector 's paperwork that is in XXXX and they could translate. This is a scam.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX went down because Lexington law challenged something on my credit report for a reason I thought was legit. They challenged that I never made late payments to my auto loan and the challenge failed. I don't know what type of installment I am in with the auto loan but when they challenged the loan it affected my credit. I didn't know my XXXX XXXX would go down.
Product: Checking or savings account

I responded to an offer to open a checking account at HSBC. The opening process was excruciating but I worked through it. I made two transfers of funds and was disappointed both times by an extremely long transfer time. Everything about HSBC is slow and clunky. I attempted to close the account on XX/XX/2018 by contacting customer support. I was advised that there would be a fee for closing the account before six months through a rep but if I were to transfer my balance out first there would be no fee. This advice was given by phone and I have a recording of that conversation. When that transfer was complete on XX/XX/2018, I called back to close the account and that rep refused to close the account because there were insufficient funds to cover their fee. I was told that I would have to transfer {$25.00} back in. I have a recording of that conversation. All transfers were initiated via the HSBC web service, this transfer took a full week. When the funds finally showed up on XX/XX/2018, I called back and closed the account. That rep again attempted to convince me to keep the account open. I firmly told her to just close the account. I was told that the account was closed. I have a recording of that conversation. I logged back in on the XXXX to make sure and not only was it not closed but they have assessed a " {$25.00} minimum balance fee. '' HSBC 's purpose here seems to be to keep the account open by refusing to close it for the express purpose of assessing exorbitant fees. I believe that this constitutes FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint again to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$3900.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX XXXXL ( Original Creditor : XXXX XXXX ) XXXX Balance : $ XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00}
Product: Debt collection

I received a bill from the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX for not paying a tollsometime late XXXX. The picture attached to the bill was not my car and obviously had fake plates on it. During that time I was home working for the XXXX XXXX XXXXXXXX XXXX as a XXXXXXXX for a XXXX XXXX XXXX. I responded to the toll commission with this info and a picture of my XXXX with the real plates on it. They did not respond. 

Around XX/XX/XXXX I received a bill from PAM, a collection company for the bill. I responded to them with the same info and a copy of my title and registration for my vehicle. 

Now they are asking for a police report showing I was not in possession of my car. They obviously will not listen or understand the fact that it was not my car and I do not have any documentation for a fake license plate in another state.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had Bankruptcy chapter 7 and I own a house in XXXX XXXX XXXX. XXXX, MD XXXX and I was refinance my house with XXXX and my account was DISCHARGED IN BANKRUPTCY so my loan was never in my credit report, last month in XX/XX/XXXX this loan was transferred to LOANCARE their address XXXX XXXX XXXX XXXX, PA XXXX and my loan number with them is XXXX. 
LOANCARE send this loan to my credit report, I called them today XX/XX/XXXX at XXXX XXXX I was online for more that an hour with XXXX then XXXX to remove my loan from the credit report because I had this loan while DISCHARGED IN BANKRUPTCY but still no help. 
I want from LOANCARE to remove my loan from my credit report because of the BANKRUPTCY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account is up-to date. Payment was never late. The original lease ended on XX/XX/2018 and we have extended the lease. They did not deduct the money from the bank after the Original lease ended. We have to called them on XX/XX/XXXX and asked them to deduct the payment. We asked them to send us a letter saying all accounts is up to date with payment ( attached below ). We were informed that credit reporting is being made every XXXX of every month so they couldn't do anything about it. We then, instead, submitted a dispute to all credit bureaus but it didn't changed anything. We called back chase auto on XX/XX/XXXX and they said they said they will verify all information regarding payment with the credit bureaus. We have submitted another dispute the same day but nothing has changed after 30 days the dispute was marked as completed by credit bureaus. This should not affect my credit and you can talk to XXXX XXXX they understand it was not my fault but their fault. They have told me that credit companies can call them and they will verify that they did not send the money to be deducted from the bank and again this should be immediately removed from my records. As of the time of this writing, my credit hasn't changed. We have ended the lease this month and I have never ever been late for any payments. Please help me with getting back my credit score back to normal.
Product: Mortgage

XX/XX/2016 CFPB : Bank of America refuses to disclose to me the information about my Residential Mortgage Loans that it has reported under the Home Mortgage Disclosure Act ( HMDA ). I want, and need, to receive all such information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax, XXXX and XXXX XXXX XXXX regarding incorrect reporting on my Credit report. XXXX XXXX XXXX has incorrectly reported that I owe {$4300.00} of which they purchased the debt from XXXX XXXX. XXXX XXXX XXXX has sued me in XXXX XXXX State of Georgia Superior Court. On XX/XX/2021 XXXX XXXX Filed A Dismissal with Prejudice to the XXXX XXXX GA State CourXXXX. I have provided this documentation and Equifax verified they have received the Documentation but advised me that the Equifax investigations indicates I am responsible for the Debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi i have 2 hard inquierys on my transunion credit agency,  the company is XXXX they are located in XXXX florida, the first inquiry was from XX/XX/2016, the second inquiery from XXXX was XX/XX/XXXX. on my report it says XXXX / XXXX XXXX XXXX XXXX , i first called XXXX about it a month ago and they said it happens qll the time and the couldnt fix it and said to call transunion which i did and they said they couldn fix it untill i got a letted of deletion from XXXX, so i call XXXX to get deletion letter and they said that they dont have a XXXX XXXX credit card division or no affiliation with that copany, now mind you i researched this company and they have well over 100 accounts dealing and specialising in this area, i asked XXXX how coudn he even know every credit card affliation of this company and he said he was positive there wast one and told me to call transunion to take it off and they said no, not without the deletion letter so you see i fedl like im stuck between a rock and a hard spot cause they both wont help me aw you see so if you can help me get this resolve i would appreciate that, so when it comes down to it if XXXX  is truthfull then the very least since transunion is the reporting crexit agency i think they should bzle held responsible for removing it. and just so you know i did n9t apply for credit and or autherize anyone or approve anyone to hard pull my credit ; thanks
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 Balance : {$20000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history.If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed. I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Product: Debt collection

I recieved a negative inquiry on my account from a debt that has not been used my me and there has been no attempt to prove that this debt belongs to me especially during covid these lenders are being asked to proceed differently
Product: Credit reporting

Transunion is aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). I would like to point out that Transunion is violating provisions of the FDCPA by implying that the legal status of XXXX XXXX XXXX XXXX debts are collectible by reporting the alleged debts on my credit report. The exact statute is XXXX XXXX XXXX, ( XXXX ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
1. I am a resident of Colorado. 
2. Transunion does business in Colorado and is subject to Colorado 's laws including the Statute of Limitations and knowingly publishing/reporting/promoting false and/or defamatory and incorrect information. Transunion may not knowingly publish false information such as the collectability of a debt. The SOL in Colorado is well defined and is the period of collectability. Reporting incorrect information as to collectability is a violation of the FDCPA. 
3. Transunion is willfully and knowingly violating XXXX Colorado statutes by publishing defamatory and incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX. I am filing this complaint completely for my self. I have not received any assistance in filing this complaint. My consumer report has violations that have caused me and my family harm. DEPARTMENT OF ED/XXXX XXXX ( Account # XXXX ) is in direct violation of 15 USC 168s-2 ( a ) ( 1 ) ( E ) ( ii ) The amounts {$6700.00} ; {$5600.00} ; {$1100.00} ; {$1000.00} ; {$7700.00} ; {$3900.00} ; {$7900.00} ; {$2600.00} ; {$10000.00}, {$2000.00} ; {$14000.00} ; {$24000.00} of this loan have competed the rehabilitation process. Delete now.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Delete the late dates of the disputed items from my credit report immediately as mandated by the FCRA, and cease the inaccurate reporting, or face legal consequences for non-compliance. The failure to respond appropriately within the specified time frame will result in further legal action for the violation of my rights under the FCRA. XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX and XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX