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

barclays XXXX has shown me late on XX/XX/XXXX and XX/XX/XXXX however i have contacted them stating this is incorrect and where is any proof these were late and no response given. i have also disputed with all 3 bureaus and nothing comes back with any proof these are correct
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX Experian, and XXXX. I have disputed this with the three credit bureaus. I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 


Late payments Account Name XXXX XXXX XXXXXXXX Account No. XXXX Dates of Late : XX/XX/XXXX Account Name : XXXX Account No. XXXX Dates of Late : XX/XX/XXXX Account Name : XXXX Account No. XXXX Dates of Late : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX I have paid these accounts on time. How did they verify this?
Product: Credit reporting or other personal consumer reports

Back in 2019 I discovered fraudulent activity involving my name thru numerous bills and other documents being delivered to my address claiming I own a vehicle that I never purchased or drive. Im also receiving tolls and a poor XXXX XXXX because of this problem. I asked the company on a numerous of occasions to have my name taken off that account or I will press charges they agreed to disagree and I now have the police report to prove my innocence. And will go further with the law in order to clear my name.
Product: Credit reporting or other personal consumer reports

Experian just notified me that they are still working onthe issue on this complaint however they closed 2 complaints this morning which are identical to this one. Experian resolves nothing and continues to try and XXXX  money from me to get my correct scores, THIS IS CRIMINAL
Product: Debt collection

This company has been threatening calling me to collect this debt that is not mines it has been affecting my credit score for over two years! After numerous disputes and letters ive sent this company ( CREDIT CORP SOLUTIONs ) refuse to provide me with written proof of the collection and paperwork showing I agreed to this collection or that i have even opened this debt up i have no knowledge of it THIS IS NOT MY DEBT. I notified this company that i was also affected by XXXX XXXX breach! Ive locked, froze, and flag all my credit bureaus as fraud, I received a threatening email stating someone on credit corp solution team would take legal action to get money i DO NOT OWE!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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 Balance : {$4600.00} ; XXXX FIN XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, UTILITY SELF-REPORTED failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
UTILITY SELF-REPORTED Account Number : XXXX XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
UTILITY SELF-REPORTED Account Number : XXXX XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.
Product: Credit reporting or other personal consumer reports

To Whom it may concern, I a Submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they do not believe the dispute came from me This claim is inaccurate and disregards the POA provided. As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputes as previously submitted. Attached are the following supporting documents : My government-issued ID The signed Power of Attorney document
Product: Debt collection

XX/2015 , {$400.00}, The following agency is not bonded in Tx and can not legally collect debt. Please remove from my credit report and confirm that the debt is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in XXXX, Texas and sometime in XXXX of this year my ex-girlfriend lifted personal information without my consent during a visit. She went to XXXX XXXX, Michigan and made an unauthorized charge of {$1600.00} to XXXX XXXX to make repairs to a vehicle. Instead of following correct procedure and calling my phone number, she handed them the phone and someone claiming to be me gave them my personal info. When I asked her about why she did this without asking me she texted me saying, " I was scared you were going to say no! '' Despite this evidence, despite the negligence of the staff in their method for obtaining consent for the charge, and despite the fact she made unauthorized phone payments again using lifted personal information that I did not give her consent to use, XXXX and experian claim their investigations found nothing. There are still {$250.00} or so that they claim I owe for a charge I never made. This is on file with the XXXX XXXX, TX sheriff 's office under case XXXX. They still have not arrested her as far as I know and she has changed her number and ignored all my attempts to contact her. I don't know if this is some kind of sexism because I'm the male partner in this relationship or why she is being treated like she is innocent and I am being treated like I should just pay even though I am the victim but it is ridiculous. I demand that XXXX XXXX and XXXX to be investigated for misuse of my credit card information and errors in their fraud investigation procedures and that the credit card charges wiped out or transfered to the guilty party, one XXXX XXXX, and to be recognized for what they are : Fraudulent unauthorized charges! I want letters sent to my credit reporting agencies apologizing for this lapse in justice. If anyone should be slighted for these missed payments, its her. I never agreed to the terms of her making payments via phone to my card directly. I tried to press charges to have her arrested. Now I don't know if that's in the scope of your powers or not, but for some reason the Sheriff isn't making any moves and I don't know why. The whole thing is frustrating and defies reason. I can provide more than enough evidence that she admitted to wrongdoing in text messages and XXXX has information on the multiple permutations of her name and fake names used to may phone payments.
Product: Mortgage

I recently filed a complaint with the XXXX regarding Bayview Servicing mortgage company. Recently I refinanced my mortgage through a different mortgage company to get away from Bayview. The customer service is horrific and each time you call a representative tells you something different the information provided is consistently inconsistent. I have made over a XXXX attempts to contact Bayview regarding the my XXXX mortgage payment which was paid on XXXX XXXX, 2015. When I requested a payoff statement the statement indicated that monies was due for insurance, mortgage payment and " potential late fees. '' This evening I spoke with a representative and she stated that she has limited supervisor support in the evening and could not provide me with any information regarding my account. The representatives are not knowledgable regarding the product and/or services that Bayview offers. Please help me with obtaining any and all funds owed to me by Bayview. My loan that was sold to Bayview is paid and full which included inappropriate charges. I called many many times to challenge the pay off amount and was told that the amount was correct. The loan was paid off and now I have to fight with Bayview to get my money back. They are rip offs and should not be privileged to service mortgage borrowers. I have spend hours and hours on the phone
Product: Money transfer, virtual currency, or money service

Yesterday XX/XX/2021, XXXX XXXX, had sold me something she had for sale on XXXX and after she contacted me on XXXX. She had told me to zelle her the money in order for her to mail it to me through XXXX. She kept asking me for money saying XXXX kept asking her for money in order for them to send it to me. She said asked me for more money I order for them to start the process, but it was way to much money she was asking for, and so she never gave me the package or my money back, she said she was going to give me the tracking number but she never did. The total amount I had sent her was a total of {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  should not be reporting a collection/chargeoff in the amount of {$3600.00} on the XXXX XXXX XXXX - partial account number XXXX ; and {$420.00} partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts were incorrectly billed as out-of-network even though I went to a participating provider/facility with XXXX. I have full coverage insurance. XXXX wanted the doctors to bill them directly and in doing so the in-network insurance will be covered. The payments have been re-processed and were sent directly to the collection agency. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. ) I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Experian XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. 

The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 

OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! 

The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 

Below is a summary of the data in which I am challenging : Personal Information for Experian NAME : XXXX XXXX XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or XXXX XXXX standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Yours Truly, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disappointed that I disputed XXXX XXXX XXXX/XXXX XXXX on theyre innacurate reporting and they sent me a fake application with a forged signature of my name and fake phone numbers and relatives on the application. 
This a violation of the FDCPA I intend to file lawsuit I have sat down with my attorney to review the errors on my report Im extremely disappointed in XXXX XXXX for sending a fake application to me and them not correcting my credit report by removing this account
Product: Money transfer, virtual currency, or money service

On Sat XX/XX/24 I purchased a service through Google Play called XXXX music through my XXXX XXXX XXXX banking which they also confirmed for me on Mon - wed the company received the money it's not on there end the problem and that I need to contact Google again for the issues. Which I did over the course of the week but to no help I couldn't reach a single soul to help with my issue either nobody could take my call or email would be sent in business days. But during this time there still trying to charge my card after explaining about this through live chat and email. Today they cancelled service and refuse to give me full refund after showing it's not my mistake but yours.
Product: Mortgage

Starting in XXXX of 2022, I decided to make a plan to pay off my mortgage by applying an additional {$2000.00} towards principal every month. I reached out to Chase Mortgage at least 4-5 times during the year because they were applying most of my " principal '' payments towards my regular mortgage payments. My regular payments are scheduled monthly through my bank. I was writing separate checks that specified " principal '' and the amount, which by no means could have been confused with my regular payment. Sometime in XXXX, I finally needed to escalate my calls to an Executive Director, XXXX XXXX with Chase. I literally had to explain to him how to read my monthly statement that they sent to me. He said he understood my problem and once again, they would fix it ( for the forth time ). All XXXX XXXX did, after promising to fix the problem, was to send me the print out of where my principal payments went. It has still not been resolved. How many others are they doing this to? I was on a plan to pay off this mortgage in 37 months. It's obvious they are doing everything in their power to " not '' allow me to pay this mortgage off early.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS FAILING TO UPDATE MY ADDRESSESS IN DATE ORDER.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX charge XXXX to my account and NTL recovery Agency charge XXXX to my account this are fraudulent charge and i want them remove off my account
Product: Credit reporting or other personal consumer reports

XXXX * I had filed a FRAUD ALERT on my credit card with Capital One * Capital One rightfully closed my credit card in question and mailed me a new card XXXX * I received an alert from Credit Karma that my Credit scores had dropped by * XXXX Points on XXXX * XXXX Points on XXXX When I read the detailed credit report XXXX I noticed that CapitalOne had reported a credit card balance of {$4700.00} ( An increase from {$0.00} to {$4700.00} ). This reporting was done OUT OF CYCLE - Not in line with my statement generation dates. 

I called CapitalOne on XXXX separate dates ( XX/XX/XXXX & XX/XX/XXXX ) and have been passed around multiple times with no resolution. CapitalOne blatantly DENIES the fact that they had reported my card balances inappropriately to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent an Affidavit of truth to TRANSUNION, XXXX AND XXXX STATING THAT THEY ARE IN VIOLATION OF MY RIGHTS, TO CLEAR MY CREDIT REPORTS AS WELL TO PROVIDE ME WITH THE UPDATED CREDIT REPORTS FROM EACH COMPANY AND TO RESPOND TO THE INVOICE ALSO PROVIDED WITH THE AFFIDAVIT OF TRUTH
Product: Mortgage

Santander Bank stating that they want to help and they do not. They stretched time to bring loan up for thousands in interest and late fees plus attorney fees and make it harder for us to negotiate. We put a lot of money to recover the house after water pipe break accident and rain water flood that was not at our fault. Everybody take an advantage of us and nobody helps. Insurance company, XXXX XXXX, and management all used us and gained own benefits and got something using us and leave us to put more and more money into that house. We have been robbed by all those listed authorities, but no one was charged and we were supposed to buy all new electrical equipment. Also, initially, Santander representative calculated amount of monthly payment higher than it supposed to be. We got deceived approximately paying at least {$300.00} a month more. When straggled with unemployment and accident in the house, Santander stretched the time for modification and denied it totally four times. Now they want to get more in interest rate fees and on daily basis {$18.00} every day in the during of all time we are in foreclosure. We are XXXX people of XXXX and XXXX years old and nobody helps.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to investigate my dispute regarding a late payment reporting from XXXX. XXXX XXXX  made an error and double billed me for XXXX and XXXX. I paid my payment for XXXX on time. Experian never attempted to contact creditor Im asking for a correction on my records
Product: Vehicle loan or lease

XX/XX/2023 I initiated a consumer credit transaction with XXXX. I received an " Conditional Approval '' stating that I had to put {$4700.00} down. Truth in Lending ( 15 USC 1602 ) defines credit as the right granted by a creditor. Creditor defined in Truth in Lending is a natural person and am a natural person. Further more it is illegal to require a down payment that's a violation of 15 USC 1662. This is unjust enrichment because I the consumer extended credit and did benefit from it and that is deprivation of my rights which means they have the criminal law 18 USC 242.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX  XXXX has violated my rights XXXX XXXX XXXX XXXX  # XXXX has violated my rights