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

whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} ( inaccurate please delete )
Product: Credit reporting or other personal consumer reports

Upon inspecting my credit report, I noticed inaccuracies in billing. The late payments listed are not representative of my consistent payment history. Please correct these and update my account. Thank you!
Product: Credit reporting or other personal consumer reports

This company has committed XXXX XXXX XXXX and Theft, XXXX fraud and Theft, Violation Of UCC 3-311. ACCORD AND SATISFACTION BY USE OF INSTRUMENT! Attached are some of the LAWS, UCC and Breach of Trust they have committed : First cause of Action : Acquiescence/Nonresponse to Failure, By Not following the Check Clearing for the XXXX Century Act, aka Check XXXX system, which has caused me Injury and Damages ; Second Cause of Action ; XXXX to Failure, By Not Following by THE NEGOTIABLE INSTRUMENTS ACT XXXX, XXXX, THE NEGOTIABLE INSTRUMENTS ACT ( amendment and miscellaneous provisions ) of XXXX, which has caused me Injury and Damages ; Third Cause of Action : Acquiescence/Nonresponse to Failure, By Not Following The Federal Reserve XXXX of XXXX, The Federal Reserve Banking XXXX of XXXX, which has caused me Injury and Damages ; Fourth Cause of Action : Acquiescence/Nonresponse to Failure , By Not Following House Joint Resolution XXXX PUBLIC LAW XXXX, which has caused me Injury and Damages ; Fifth Cause of Action : Acquiescence/Nonresponse to Failure, By Not XXXX XXXX XXXX XXXX because they are Linked to and through My XXXX XXXX XXXX XXXX XXXXXXXX routing and account number, which has caused XXXX XXXX and XXXX XXXX Sixth Cause of Action : Acquiescence/Nonresponse to Failure, By Causing a waste of my precious time and resource trying to resolve this issue with My Vendors and Utilities Companies, which has caused me Injury and Damages ; Seventh XXXX XXXX Action XXXX XXXX to Failure, By Causing me to find alternate means of making payments of my public debt, which has caused me Injury and Damages ; XXXX Cause of Action : Acquiescence/Nonresponse to Failure, By Not returning and destroying my property i.e XXXX my Negotiable instruments, MOAs and or Checks which has caused me XXXX and Damages ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for the {$1.00} trial of Experian Credit monitoring membership. I did not cancel my subscription in time and they began charging me {$29.00} per month. My fault for not canceling, but I never authorized the additional charges. To make matters worse, they make it basically impossible to cancel service. I have called them 4 times, each time holding from 1 1/2 to 2 1/2 hours and they continue charging me. 
This company is a complete SCAM.
Product: Credit reporting or other personal consumer reports

XXXX Account # XXXX Please provide the method of validation regarding the reporting of a late payment on XX/XX/2024. If you are not able to provide the method of validation please update the late payment on XX/XX/2024 to on time. CFPB Complaint has been filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out to Experian and they said to send a complaint here with a inquiry that I did not authorized
Product: Debt collection

I dispute and demand the immediate removal of inaccurate information from my credit report. The banks confirmed a system error that failed to provide records for the reported accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The banks are committed to removing these accounts after careful review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a follow up call from XXXX on XX/XX/XXXX from the office of the president. XXXX did not offer a resolve to the intentional reporting of incorrect information and advised me to do another complaint with the information I now have to be attached to my previous complaint. 

My account STATEMENT always reflected a positive amount as a credit and not a debit. I now understand that the STATEMENT that is mailed or electronically delivered every month which gives an ACCOUNT SUMMARY as indicated on the bond portion of the payment coupon, is actually a dividend payment ( book entry security ) from securitizing my account through BARCLAYS BANK DELAWARE, to BARCLAYS XXXX XXXX XXXX, to BARCLAYS XXXX XXXX TRUST, XXXX XXXX XXXX XXXX as indenture trustee and BARCLAYS XXXX XXXX, the underwriter. It was not a BILL for me. 

The monthly BILL, STATEMENT that was mailed via PRESORTED first-class mail or emailed and presented to me as if I owed money, was actually a security and obligation of the issuer, BARCLAYS XXXX  XXXX TRUST from BARCLAYS BANK DELAWARE , the servicer and repurchasing party, BARCLAYS XXXX XXXX XXXX XXXX XXXX and another repurchasing party and XXXX XXXX XXXX XXXX XXXX XXXX trustee and securities intermediary. 

I was never late as the true obligation was BARCLAYS XXXXXXXX XXXX XXXX per the indenture agreement. I was actually defrauded out of securities and payments that were owed to me. The BOND portion of the STATEMENT which is actually a BOOK ENTRY security, should've been credited to me and the top portion processed properly through the bank, settling my account every month, for the full available credit ( allocated amount ) to be used again following Generally Accepted Accounting Principles. 

I am aware that there are two sides to the ledger. I am aware that there is a public side and a private side for every account that I have had with BARCLAYS BANK DELAWARE. I am also aware that although my account was closed on the public side, my account was and is still open on the private side being securitized. 

Not only have intentional violations of the Truth in Lending Act, the Fair Credit Billing Act, the Credit Card Accountability, Responsibility and Disclosure Act of 2009, the Electronic Funds Transfer Act, The Federal Trade Commision Act, the Securities Exchange act of 1934, the Trust Indenture Act of 1939 taken place, but securities fraud as well.
Product: Credit card

Keeping up with timely payments on this account has been my consistent practice, ensuring they never slip into overdue status. I'm uncertain why there are reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, these should be rectified.
Product: Checking or savings account

I noticed my account was way lower then it should have been. When going over each withdrawal I noticed there were quite a few thats I didnt authorize. I reached out to my bank and canceled my card. I even closed my account down on the phone and got another phone so whoever had my info didnt anymore. I then get a letter from my bank that they are not going to honor my disputes and put the money back in my account. The letter that was sent to me had a phone number on there if I had questions. I called this number several times a day and was on hold for a hour EACH time. So for days I used my whole lunch break being on hold as well as at home being on hood for at least a hour. Never could get anyone on the phone to answer my questions. I have called different times of the day hoping for different results. I have received nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this auto loan on my report since XX/XX/2021 which is well over 30 days. As you can see from the screenshot provided each of the three bureaus are reporting that the information was disputed and consumer disagrees which means they claimed it was valid right? Well why in the XXXX are all three bureaus reporting different information from the other? If ALL have actually done the due diligence and reviewed the account information and also double checked it with my alleged contact from the lender then the information, account status, high balance and credit, last payment date, etc wouldnt differ. 
Im no fool. Ive read the FCRA laws and I knew when I sent my notarized certified letters not once or twice but now three months in a row I knew yall were using an automated e Oscar system to validate these items and from here on out I decline yall using that when dealing with me. Yall have violated my rights long enough that Im filing an official lawsuit again all three if this is not removed within the next 15 days. You do not get another 30-60 to verify as you claimed you already did that three times already. Cut the bull and delete all of this inaccurate information.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows 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 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

My credit report is showing late payments to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or creditors customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. I sent a dispute letter to XXXX, XXXX  and EQUIFAX on XXXX, XXXX XXXX and XXXX asking that they be removed. Please note response should have been provided by date XX/XX/2021. I have not received report and XXXX, XXXX and EQUIFAX are over the time frame required to submit a report to me. Please investigate and send me an updated report.
Product: Credit reporting or other personal consumer reports

I recently found some inaccuracies in the personal information listed on my credit report, which I believe stem from a clerical error.
Product: Credit reporting or other personal consumer reports

I have deleted on Experian every negative item due too identity theft they put it back on I have proof Equifax got in trouble again leaking credit reports I deleted everything they put back on Transunion deleted back on it want stop
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, XXXX. I have been asking the 3 Credit Bureau to correct my personal information since XX/XX/XXXX, XXXXThey have not correct my name, phone number and social security number. I have already file another dispute on XX/XX/2020 asking them to update my personal information which has not happened. I have spoken to several representatives within the last two months and I have not received correction on the update on my information. I have sent them the requested information they asked for, and they continue to ignore me. I also, have XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that is not mine. They continue tell me they have update my credit report but the information is still the same. 
I have spoken to several customer service representatives to correct the problem with my name, address, phone and social security that is continually been reported inaccurately. 
I spoke to XXXX XX/XX/2020 XXXX who assure me that the correction would be made on my credit report, name, phone number, social security, and the lock would be removed from my XXXX   Report. On all 3 credit is a lock saying " Multiple Matches Found '',  check demographics information. All 3 Credit Bureaus say they have removed the Fraud Alter but I am still not able to access my accounts. They continue tell me they have update my credit report but the information is he same.
Product: Money transfer, virtual currency, or money service

Hello, In XX/XX/XXXX, I received the following message from Wise : " Hi XXXX, Thanks for your email. 

This email is to acknowledge that we have received your complaint regarding your bank account being linked to another Wise account that does not belong to you. If we havent understood your complaint correctly, please let us know. 

We are currently investigating the matter and consulting with the teams involved, and will provide you with an update as soon as we can. 

We will provide you with a final response regarding your case within 10 business days but given the nature of your case we will try our best to resolve this as soon as possible. '' I never received a message or response from Wise after this. Thus, I assume that my bank account is still linked to a Wise account that does not belong to me. 

This is pretty outrageous. I need to know that my account will be safe. I need Wise to cut the connection. They should have done this in XX/XX/XXXX, when I first raised the issue. 

I did everything I could in my communications with Wise, including sending documents of the bank account.
Product: Credit card or prepaid card

Hello my name is XXXX XXXX, on XX/XX/2019, I opened my Bank of America App on my phone and noticed a series of transactions under my name adding up to {$4500.00}. After that I proceeded to search for my card and found out that it was missing. I went on the app, quickly closed the account and attempted to contact Bank of America Fraud department, but was not able to sue to the long hold time of over 1.5 hours. On XX/XX/XXXX, I called BOA. The representative that I spoke to had no interest in solving the issue ; I had to pressure him and guide him into filing the claim. I notified him of every transaction and notified him that my card was lost during the incident. In the following 3 days the claim was opened and my account was reimbursed for the temporary credit. However, on XX/XX/XXXX the credit was reversed and my account was charged again. I contacted Bank of America and reopened the claim. I was told to file a report for identity theft. I have done so and faxed it to them numerous times. I also attempted to contact the police department in XXXX California to report the charges, but I was told that I have to report it to the police department in XXXX XXXX and where the transactions took place. I proceeded to do so, but was told by XXXX XXXX XXXX that the report has to be filed in person by one of their officers and I live 500 miles away and have no way of driving 10 hours through the snow to get to that location. 

Bank of America customer service representatives are not being helpful as far as providing me the guidance needed for me to protect my account and are not interested in investigating my claim. They are also holding me responsible for the amount that was placed fraudulently on my account.
Product: Debt collection

Canceled my XXXX account and returned the equipment as required. Was contaced by XXXX and was told my account would automatically renew without my consent, and at any rate that they decide to charge. They claim that I has a contract with them, and if that was true ; that changed the terms without my consent. That doesn't sound like a contact to me
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 XXXX XXXX XXXXeported : XXXX XXXX, XXXX {$8600.00} XXXX Reported : XXXX XXXX, XXXX {$20000.00} XXXX Reported : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

This is a follow-up to my previous complaint regarding the improper reinsertion of a XXXX XXXX XXXXXXXX account XXXX Account XXXX XXXX ) on my Experian credit report. Despite filing my initial dispute on XX/XX/year>, Experian has failed to take corrective action or provide a satisfactory response. The account in question was confirmed as removed in a " Dispute Results '' letter dated XX/XX/year>. However, as of XX/XX/year>, the account was reinserted without proper notification, in clear violation of the Fair Credit Reporting Act ( FCRA ). To date, Experian has not provided any evidence of new, verifiable information to justify the reinsertion of this account, as required under 15 USC 1681i ( a ) ( 5 ) ( C ). Furthermore, I have not received the mandatory written notification within five business days of reinsertion, as required by 15 USC 1681i ( a ) ( 5 ) ( B ). This demonstrates blatant disregard for federal law and highlights Experian 's failure to maintain reasonable procedures to ensure accurate credit reporting, violating 15 USC 1681e ( b ). Experian 's lack of accountability and transparency has caused significant harm to my financial reputation. I demand immediate action, including the removal of the reinserted account from my credit report, an explanation and documentation of any evidence used to support the reinsertion, and a written confirmation of the accounts deletion along with an updated credit report reflecting this correction. Additionally, I expect a detailed explanation of how Experian intends to prevent such violations from recurring. This is a serious issue, and if Experian continues to ignore its legal obligations under the FCRA, I will escalate this matter further. I expect swift resolution without further delays.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$690.00} XXXX Account charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX {$420.00} XXXX Account charged off. {$420.00} written off. {$420.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially XXXX Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3800.00} XXXX Account charged off. {$3800.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3800.00} Status Collection account. {$3800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$520.00} Status Collection account. {$520.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$600.00} XXXX XXXX account. {$600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$120.00} Status Collection account. {$120.00} past due as of XX/XX/XXXX. 
Chapter XXXX bankruptcy XXXX Potentially negative Date Filed XX/XX/XXXX Court XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

About a year ago, I found out about some accounts on my report. I tried in several occasions to get it removed but I was denied. XXXX XXXX, I discovered some information on my credit report that did not seemed correct. it occurred to me someone has been probably gotten my identity information to use. Applying for job I didn't apply, trying to open credit card account etc. 

Also some of the accounts that were on collection. I paid off and yet they've refused to removed it from my report. 

Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries Name XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan from XXXX XXXX XXXX and was approved. Spoke to representative to help me get through the process, but something unfamiliar was brought up. I was told that I have a Mortgage with XXXX XXXX that was opened in XXXX. This was brought up because they pulled my Experian Credit Report. I am confused as to how this happened. I have never opened up a mortgage. At the time I was only XXXX XXXX years old. I have lived at my address since the year of XXXX and at that time I just recently graduated from XXXX XXXX. Please help me dispute this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested Experian investigate all 4 Dept of Education/XXXX accounts. Each account has an account number of XXXX. According to my credit report that I received directly from Experian, the account was last updated XX/XX/XXXX. Meaning that Experian has never investigated the account once the dispute was initiated. 

This is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent letter to Equifax. An account XXXX XXXX listed on my credit report as a charge off but listing an balance. This is falsely manipulating the status of limitations, which is a FRCA violation. This item should have been deleted from my report for inaccurate reporting. 

Only received a notice that report was updated. I show no change in my report and account should have been deleted.