23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX they issued a provisional credit as I stated and I guess this bank as usual doesnt read things right that in a dispute they sold fake cases I learned that so I didnt open the package I REFUSED the package on XX/XX/XXXX of XXXX. See the tracking number!!! When you refuse through the XXXX they take it back and return back to sender. I am not responsible after refusing the package ( as its not in my position its the XXXX sending it back to the original sender ) if the XXXX delivered it. Upon calling them today they said they did. So I suggest the bank and the merchant deal with that because I returned it!! Its says refused which means I dont even have it in my possession the XXXX sends back to sender when you refuse! The XXXX man said they would only do this if I refused it and did not open it. So I refused it as I will provide the screenshot from the actual XXXX website and it was on its way back. Thus when you refuse a package its returned to sender. If the merchant is that ignorant they should probably call the XXXX and speak with them. I am providing the actual tracking, Barclays response that the merchant is right which is laughable since I never had opened said package it was refused!!, and the mailman scanned it refused so I didnt touch the package. 

I suggest the merchant and Barclays give me the XXXX back as I have the proof attached it was refused by me and back to their state. If I dont see the XXXX youll be hearing from my law firm. You know the one you say you call but you never leave a message but nice try saying you contact people when you clearly dont leave messages for them. 

Last warning Barclay you see it refused and you are blatantly refusing to credit me you instead charged it back on Me. Thats fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND COMPLAINT and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still 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 and subsequent reinvestigation, 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 ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that 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 ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious  consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ARA XXXX XXXX and others continue to call me regarding a debt I do not owe. They call and hang up serveal times during the day. I have asked repeatedly that they remove my cell number from their contact list as I am not the person they are seeking, I am on a do not call list that is verified and valid. They ask me to verify the Social Security Number, Credit Card information and other identifiers of a person they believe to owe the debt. I can not and refuse to do so in any capacity. They told me the calls will continue. This is wearing on my nerves and causing me XXXX!
Product: Credit reporting or other personal consumer reports

XXXX has refused to properly update my student loan balance on my credit report for four months now, and they flat out refuse to help when I call them. Once again, my credit reports are incorrect, and the only way to attempt to fix them is to waste my time filing a dispute with the credit agencies. 

It is impossible to get a hold of a representative at XXXX who can actually do anything to help. It is near impossible to get a hold of any representative at all. They will claim that they are busier than usual, and they are sorry for the inconvenience, but they know darn well that they refuse to hire enough people to handle the job, and train them well enough to do actually do anything remotely helpful. They have no problem wrecking people 's credit scores, as there is no consequences for their actions. This is a scam, and XXXX does not deserve to stay in business.
Product: Debt collection

On XX/XX/23 I rediscovered a fraudulent account on my consumer report that I have no knowledge of, I settled it previously with another collections debtor and now another collections debtor is reporting on my account, my information is being used without my consent to pay debts that I do not owe
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is a copy/paste of the email I sent to EQUIFAX Three days ago I tried to login to the system and was told my password was wrong. 
I requested a reset from your site twice and never got the email? 
I then emailed you for assistance and never got a reply. 

For two days your phone number XXXX was ringing busy. 
Today i got thru and sat on hold for a full hour with no answer. 

For three days now the website has been posting this error System Unavailable We are unable to process your request at this time. Please try again soon. 

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

XXXX  XXXX  listed twice. According to report I was given another credit card with company when Id defaulted on first. Makes no sense. I only had XXXX card and its past the XXXX  year mark. My report was also changed to XX/XX/XXXX when it originally said XX/XX/XXXX for deletion. Now both accounts have same deletion date which doesnt make sense either.
Product: Credit reporting or other personal consumer reports

I have dispatched certified letters to Experian, and the company issued a stall letter to my Experian account dated XX/XX/XXXX. I have submitted several pages for correction in a certified letter concerning inaccurate information on my credit report. Additionally, I inquired about the furnishing company that reported the bankruptcy and the methods they employed to verify this information on my credit file, as well as the investigation process used to validate it on my credit report. ALSO please correct the information that provided to both credit bureaus Experian and XXXX on all inaccurate information that reporting against my credit profile. Delete old address and phone numbers, I don't associate with them. 
respond to my letters tracking number to Experian XXXX XXXX # : XXXX and XXXX XXXX XXXX # : XXXX dates : Cost : {$16.00} Pages : XXXX XXXX : yes Double-sided : yes Est. send date : XX/XX/XXXX Est. delivery : XX/XX/XXXX Service level : XXXX XXXX XXXX ( XXXX days ) Extra service : Certified mail. 

Cost : {$13.00} to Experian XXXX : XXXX XXXX : no Double-sided : yes XXXX. send date : XX/XX/XXXX Est. delivery : XX/XX/XXXX Service level : XXXX XXXX XXXX ( XXXX days ) Extra service : Certified mail The negative items on my credit profile appear to be erroneous. I am disputing these claims and insist that any information suggesting I am less than perfect be removed immediately. The allegations that this information is negative, false, or incorrect are without merit. I have yet to receive any tangible evidence supporting these claims. Your report deviates from essential reporting standards, rendering the data inaccurate and incomplete. I challenge you to prove the legitimacy of these allegations against me. Document your compliance with reporting requirements and ensure there are no deviations. According to 15 U.S.C 1681e, a consumer reporting agency must adhere to reasonable procedures to guarantee the accuracy of the information regarding the individual in question. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to : A - Provide information about a consumer 's accounts or relationships with integrity. B - Ensure the information about a consumer 's accounts or relationships is accurate. C - Conduct reasonable investigations of consumer disputes. It is vital to acknowledge that any reporting errors can compromise the accuracy of the information, which has significant consequences for both federally regulated reports and Metro 2 compliance standards. The CRRG states that any deviation from these standards endangers data integrity. Therefore, I have identified several mistakes and inaccuracies in your report, necessitating an investigation into these erroneous items so they can be corrected or removed. It is your responsibility to protect my rights, and continued reporting of imperfect claims indicates negligence. It is unjust to continue this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on my Equifax credit report against XXXX XXXX reporting my XXXX XXXX account as past due for XXXX dollars. Equifax determined that XXXX incorrectly reported the past-due amount and changed the XXXX XXXX payment status. This dispute was filed on XXXX/XXXXXXXX ( The same month that XXXX stated that the amount is past due, how can XXXX XXXX payment be past due and it was reported past due in the same month ). XXXX is committing fraud and needs to be bared from this continued harassment because they disagree with their mistake.
Product: Mortgage

Alleged mortgage loan debt collection activity pursued by JP Morgan Chase Bank , N.A . Mortgage, XXXX exceeds State of Tennessee statute of limitations and therefore is time-barred from collection. Last payment on record was made on or about XXXX XXXX, 2009. Persistent collection attempts by JP Morgan Chase Bank , N.A . occurring after XXXX years of non-payment violates FDCPA law and State of Tennessee XXXX.
Product: Credit card

I applied for a credit card XXXX  with Capital One. They had a promotional offer of getting {$250.00} after spending {$1000.00} in 6 months. 
Once I met these requirements, I didn't receive the {$250.00}. I called the company and I was informed that I did not qualified. They couldn't say the reason. I wrote a letter to Headquarters with my concern, their response was the same. I did not qualified, I requested to please explain exactly what terms disqualified me. Their response was, " we can not tell you '' " every individual is different ''. I other words the lack of transparency raises concerns about the legitimacy of this promotional campaign. The refusal to tell me specific criteria that disqualified me constitutes FALSE ADVERTISING.
Product: Checking or savings account

I believe I was a part of a XXXX XXXX scam and a XXXX scam due to it being connected to Truist bank or XXXX. XXXX XXXX customer service is basically useless and now that a month or so has passed it feels like my funds are truly gone forever. Please help if you can. I understand that without a lawsuit, its probably not possible, but I believe I deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX I want this account deleted due to inaccuracies and false reporting. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

On Equifax the payment history for this account reflects 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 I want the account deleted because the payment history is reporting inaccurate and I took the facts directly from the credit reports which I will submit as attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a title loan from XXXX for less than {$3000.00} back in XX/XX/2017. I was unable to repay the loan my vehicle was repossessed by XXXX and sold at auction. Now my credit report shows original title loan as 48-month auto loan that it is not and has never been a traditional auto loan. Also, on my credit report XXXX has the status as a charge off and as active with a balance over {$33000.00} simultaneously which is adversely hurting my XXXX XXXX and preventing me from obtaining an FHA home loan.
Product: Debt collection

Received an email threatening to sue me for charges that I didn't commit and an amount that isn't correct. It's an old debt on my credit report. I've had issues with this company before with illegal tactics. During covid they looked up my tax return refund and debited funds out of my account without my authorization. They had to return all my money and now they are threatening to call my employer, bank, etc. It's already on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I attempted to place a security freeze and credit lock on my TransUnion credit report to protect my personal credit files while applying for business credit. Specifically, I was in the process of applying for a business auto loan through XXXX XXXX and wanted to ensure that only my business credit would be pulled during the application process. 

I had previously created a paid TransUnion account to access the freeze and lock services. However, I encountered issues both online and through customer service. After several attempts to freeze/lock my credit, I contacted TransUnions customer service via chat. The representative informed me that they were unable to process my request and created a claim to escalate the issue. I was given case number XXXX and told that I would be contacted by their special handling team within 3-5 business days. Despite expressing my concern about preventing any potential negative impact on my credit, the agent said there was nothing more they could do at that time. 

Several days later, I still had not been contacted by TransUnion. In the meantime, the inquiry from my business auto loan application has appeared on my personal credit report, which I was trying to avoid. This inquiry is now visible on all three bureaus. Despite paying for the service and multiple attempts to resolve the issue, I am still unable to place a security freeze or lock on my TransUnion account. 

I am attaching a screenshot of the chat with the TransUnion agent as evidence, showing the case number and their promise to escalate my issue.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX 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/year>
Product: Vehicle loan or lease

I had reached out on numerous separate occasions asking for a deferment. Each and every time they told me there is nothing they can do I was denied. I told them constantly i can not do it right now. My wife is not working, she has no income. She is fighting with her last job while having a claim in with the state to retrieve her funds that they never released. She is not able to collect unemployment until that is resolved so has no income. It is only mine and I can not afford all the bills by myself. I asked them repeatedly for a XXXX month deferment and they refused to work with me and instead and have no reported me payment as late to the credit bureaus. I have made payments to them and also told them when I got paid again I would pay the month up to date. To them that still was not good enough and would not cut me a break for just XXXX month when during the last several months my wife and I had both lost hours at work prior to this due to some of the covid spikes plus her occupation is not back all the way yet due to being a teacher so has been trying to find things to fill in here and there and they still just keep turning me away. I had to go to a debt program for my credit cards because it all got to be to much with inflation and companies refusing to offer assistance on top of trying to keep my house for my XXXX children. Not to mention the car was involved in a hit and run that now is in the auto shop that I somehow have to come up with money to pay for a deductible when somebody smashed the XXXX side completely up and then left the scene and the cops did nothing about that either.
Product: Credit reporting or other personal consumer reports

My issue is that the credit bureaus must report accurate information consistent with the Fair Credit Reporting Act. I recently received XXXX credit alerts ( on XXXX & XXXX respectively ) that Equifax dropped my credit score by XXXX points & XXXX dropped my score by a whopping XXXX points, with no explanation provided. I've done nothing wrong. Didn't miss a payment. The credit bureaus should not be reporting negative score information as I am in good standing with all of my creditors & accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXXXXXX 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 XXXXXXXX have all violated my rights. 

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

They have all violated my 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. 
I have not given them any written instruction to furnish anything on my consumer report.
Product: Credit reporting or other personal consumer reports

LEXUS NEXUS reported our dismissed bankruptcy without prejudice to the three credit bureaus, even though they did not obtain this information directly from the courts ( listed as the " Creditor '' ) There is no " creditor '' in this case as no activity occurred whatsoever regarding this case. Credit bureaus are advising that this will be on our report until XX/XX/2029 even though no product or service was ever rendered to or by us by anyone or any business at all regarding this case. How can a 3rd party reporting service report a case of owed credit that does not exist? Would that not be considered fraudulent information? 
We have contacted the court, who has let us know that they neither report NOR verify this information, so the credit bureaus saying they verified the information as accurate can not possibly be true.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 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 or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by TU, XXXX, XXXX. TU, XXXX, XXXX has violated my consumer rights and violated federal law. This is multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

My credit report is showing unauthorized inquiries from XXXX XXXX XXXX XXXX as well as XXXX XXXX. I didnt give written consent for my information to be furnished to the credit agencies. I need these inquiries removed immediately from all three major credit agencies XXXX, XXXX, and Equifax.
Product: Credit reporting or other personal consumer reports

i have several hard inquries on my account that do not belong to me. and its names on my account that has nothing to do with me i never lived at XXXX XXXX XXXX or a XXXX XXXX and my name is not spelled XXXX. i havent applied for nothing in the last 5 years and my credit has a freeze on it so how this happened i dont know.