23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

LexinNexis- is reporting a Bankruptcy on my credit report and they have put in the Data furnisher as being the U.S. BANKRUPTCY COURT NORTHERN DISTRICT OF GEORGIA . Which is false. I have attached a letter from the U.S. BANKRUPTCY COURT NORTHERN DISTRICT OF GEORGIA. Verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify or validate any information concerning bankruptcies. 
Lexis Nexis is falsely stating this information on my credit report and have yet to remove it from my credit report. I contacted the court, and their response is enclosed. It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681A ) ( A Right to privacy ), and the information must be deleted immediate. 
I contacted the court, and their response is enclosed. ( See attached letter ) It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. 
Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681B ) ( Permissable Purpose ), and the information must be deleted immediate.

I would like for you to have them take this unvalidateable information off of my credit report. Your prompt attention to this matter is requested in order to comply with federal law.
Product: Credit reporting or other personal consumer reports

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The unauthorized inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below 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, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX XXXX 7. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.
Product: Credit card or prepaid card

My wife and I booked round-trip flights on XXXX XXXX using the Chase Travel Rewards portal ( {$600.00} ) in XX/XX/XXXX, which is associated with our Chase Sapphire Preferred credit card. We later purchased seat selections ( {$110.00} ) and bags ( {$220.00} ) directly from XXXX XXXX on our existing reservation. The flights were on XX/XX/XXXX from XXXX -- XXXX and XXXX from XXXX -- XXXX. On the morning of XXXX, my wife received an email notifying her that our reservation had been cancelled with no explanation given. We did not initiate this cancellation. Since XXXX XXXX does not have a customer service number, we went to the XXXX XXXX desk at XXXXXXXX XXXX on XX/XX/XXXX to find out why our reservation was cancelled. They claimed that if we did not cancel the reservation, that Chase Travel ( our third-party booking agent ) must have. We talked with a representative of Chase Travel Rewards who stated that Chase did not initiate the reservation cancellation. At that point, the XXXX representative gave me a card with a weblink to XXXX general refund dispute department. Because of difficulties communicating with XXXX XXXX, my wife and I chose to dispute the three charges associated with this airline reservation through Chase, as these purchases were made on our Chase Sapphire Preferred credit card. 

These claims were submitted under Claim XXXX. When submitting this dispute, I selected that the merchant did not tender services. Somehow, Chase changed our dispute type to stating that the cardholder initiated the reservation cancellation, which is incorrect. Because these charges were disputed incorrectly, two of three charges in our dispute ( for {$220.00} and {$110.00} ) concluded with the decision that the charges were valid and that we would not be receiving a refund. The third ( for {$600.00} ) is still pending but the dispute type for that charge was also changed to cardholder initiated cancellation. I have submitted a written request to Chase to re-dispute these charges for reason of merchant not tendering services. However, I am not confident that they will handle this correctly since they did not get it right the first time. 

I have uploaded two documents. The one entitled " Chase Dispute Resolution '' shows the dispute decision dated XXXX for two of the three charges ( for {$220.00} and {$110.00} ) and XXXX XXXX responses. It should be noted that pages 3 and 6 of this document show the details of the cancellation. The Agent is listed as " XXXX '', which leads me to believe that either a glitch in XXXXXXXX XXXX IT system or a nefarious user may have caused the reservation cancellation to occur. The second document entitled " Chase Dispute Resubmission Request '' is the letter I sent to Chase on XXXX  asking for the disputes to be re-opened for reason of merchant not tendering services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX, chairwoman of the XXXX XXXX XXXX XXXXe, asked the Consumer Financial Protection Bureau to stop Equifax from selling credit scores to lenders until the credit-reporting firm can prove it has the controls in place to ensure its scores are correct. In a letter to the CFPB, viewed by The XXXX XXXX XXXX, the congresswoman from California also called for more robust enforcement action against the company that goes beyond fines. 

https : XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I called Equifax to get them to remove a Fraudulent inquiry that wasnt honored. Im submitting this complaint attached with documents to support my request.
Product: Credit reporting or other personal consumer reports

I have no knowledge of, or have i authorized the origination of documentation which would lead to any of these inquiries listed.
Product: Credit reporting or other personal consumer reports

Company violated FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

Reason : I am disputing account XXXX XXXX account number XXXX in the amount of {$10000.00}. I reported this account before and the company states they haven't received any information from me. Well on XX/XX/XXXX XXXX XXXX received all the information I sent over to XXXX, Equifax, and XXXX via USPS. It contained the correct ID, and a copy of my police report. XXXX are saying they haven't received anything from me but continue to verify this account as mine when I have sent over the correct information numerous of times stating this is identity theft. XXXX has received my information through each bureau and are still saying this is a valid account and failing to update my credit report by deleting this Account. THIS IS A VIOLATION of the FTC. Also they have failed to provide me via usps mail or certified mail with the verification of this account. I have only received information via email from XXXX XXXX with a copy of the ID used to obtain this fraudulent account ( which is not mine ). Prior my last complaint, I emailed XXXX XXXX my correct ID along with the fraudulent one I received from XXXX XXXX. She only followed up saying " Ms. XXXX also sent this email to me yesterday as a follow-up to our response to the CFPB. Thanks!! '' I have called her at the number provided ( XXXX ) But it goes straight to her voicemail. I have to receive anything via mail from this company. I have sent them over everything possible proving this account fraudulent. This company has violated so many times as to not properly handling the dispute process and, reporting inaccurate/falsely information to ones credit report and reporting a charged off account every month as late delinquent just to name a few. The company blocked the account before on XX/XX/XXXX. Then the company rescinded the block on XX/XX/XXXX. I didn't receive a letter or anything stating the reason for the company putting the account back on my credit report but prior to me sending in my ID theft affidavit and ID back in XX/XX/XXXX, the company had all the correct information to delete the account from my credit report.
Product: Credit card

On XX/XX/year>, I tried to use my Chase Ultimate Rewards points to purchase a dinner reservation at Sons & Daughters in XXXX XXXX. The transaction would have cost XXXX points. The transaction failed and never went through, I never received a reservation confirmation from Chase or the restaurant. Despite the fact that the transaction failed and no reservation was made, I was charged XXXX times for the XXXX point transaction, for a total of XXXX points. I first called Chase a few days later, and spoke to a customer service representative who advised that I call " XXXX XXXX XXXX '' at XXXX to resolve the issue. I did so, but the representative at that number informed me that they no longer help with restaurant reservations and only help with concerts and other experiences. He advised that I call Chase again to explain. I did so, and my concerns were escalated. I was told that I should expect a follow-up or resolution within 5-7 business days. As of XX/XX/XXXX, I had received no update. So, on XX/XX/XXXX, I called back Chase customer service back. The first person I spoke with advised me again to call XXXX ( the number from above that didn't provide a solution ). When I explained that they would not be able to help, the customer service agent transferred me to a supervisor. The supervisor told me that Chase had sent me a letter dated XX/XX/XXXX, which letter again advised that I call XXXX. When I explained that that number could not help, she put me on hold and called herself, and confirmed that they provided the same response to her ( they could not help except for concerts or other experiences ). She escalated the issue again, and told me that I could expect a response by the following week. 

I called again today, XX/XX/XXXX, to check for an update. I was told that Chase sent me yet another letter ( dated XX/XX/XXXX, it has yet to arrive at my house ) telling me yet again to call XXXX, which clearly will not work to resolve my issue. The first customer service supervisor I spoke with today told me that there was nothing I could do other than send a complaint to Chase 's executive offices. A second supervisor claims that she submitted a complaint on my behalf, but noted there was nothing else she could do to assist. 

I'm hopeful that the CFPB can assist in getting Chase to correct its error here.
Product: Credit reporting or other personal consumer reports

In loan agreement page 1 states, If all or any portion of a payment is not paid within 10 days of due date, there is a late charge of 5 % of the monthly payment or {$25.00} and this finance company has failed to abide by its own terms and has made a fraudulent report to the credit bureaus and has made harrassing texts and threats to take my vehicle without it being late or in repossession status.
Product: Credit card

Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX # XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$42000.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I ever had identity theft. I am not sure the reason behind this, but I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these items for my account as soon as possible. 

01 XXXX XXXX XXXX XXXX {$86.00} XXXX   XXXX {$58000.00}
Product: Checking or savings account

I am writing this letter of complaint regarding USAA Federal Saving Banking practices with regard to its customers. Both my spouse and I currently bank at USAA. We hold various accounts, such as CDs, savings, credit/debit cards, and checking accounts. 
We can not access or lockout our accounts because we refuse to provide our personal financial, political, or governmental affiliations and/or wealth information. We firmly believe the requested information from USAA Federal Saving Bank every year goes beyond the Anti-Terrorism Laws and KYC regulations.

We have requested that USAA Federal Savings Bank provide us via US Postal Service with the written documents of the requested information, which they need to verify. Still, they have yet to provide us with such information in written format, not electronically. Since we have no access to our USAA Federal Savings banking accounts, to included both checking and savings online or via our phone apps, we are unable to meet our everyday needs and financial obligations, such as our mortgage payments, utility bills, auto loan payments, home mortgage insurance, auto insurance payments, along with various credit card bills and food needs. 

The action taken by USAA Federal Savings Bank has caused serious emotional distress and financial hardship as a XXXX service  veteran and for my immediate family by blocking or interrupting services access to my banking accounts held at USAA Federal Saving Bank. I will note that no other banking institutions, such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  or XXXX XXXX, or XXXX XXXX, have requested or sought the kind of personal financial information that USAA Federal Saving Bank is demanding from us. 

I have spoken with XXXX XXXX XXXX at USAA, I advise her that my address, date of birth, XXXX, and Personal Identifying data are current and correct. I informed her I was not comfortable providing additional personal financial information and that I believed this information would be used for marketing purposes and not KYC regulation. 

She advised that the information would not have to be provided if I am not comfortable providing the requested information. I also informed her ; no other financial banking institution has ever asked me to provide such personal financial information as USAA demands. As also informed her that the letter from USAA threatened adverse actions regarding our tax and credit reports. We do not subject to any XXXX 's reports or subject or accused of violating any US financial regulation laws of any kind. 

As also informed her that the letter from USAA threatened adverse actions regarding our taxes and credit reports. We will note that I received harassing calls to provide this information or constant notification on our USAA phone app and online USAA app. 
I am seeking immediate assistance regarding this matter. If you need additional information, please dont hesitate to contact us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to XXXX XXXX asking them to send me the accounting that was used on my closed account that they are marking as charged of on XXXX, XXXX, and Experian. They marked the account charged off in XXXXXXXX XXXX XXXXXXXX. If the company indeed charged off the account, a 1099-C should have been issued to me no later than XX/XX/XXXX of XXXX. XXXX XXXXXXXX did not send the 1099-C and continues to pursue collection activities on an account they have already charged off. I paid the account off even though the company charged it off as a loss on their records making the charge off fraudulent. I am requesting that XXXX XXXX comply with the cease and desist notice attached to this complaint and send me VALIDATION of the alleged negative accounts on my credit reports. If XXXX XXXX doesn't comply with my request I will have no other choice but to report them to the IRS for TAX FRAUD. Please read the cease and desist carefully as to not violate the order.
Product: Credit card or prepaid card

Submitted identity theft report via certified mail on XX/XX/2022 as well as disputed the fraudulent account multiple times prior to certified letter using XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted in writing via usps twice now requesting the removal of fraud/identity theft activites from my credit report. I submitted a copy of my FTC identity theft report in addtion to a copy of my credit report with all fraudlent activites circled, I also included a copy of FCRA regulations giving XXXX and equifax 4 days to remove these fraudulent activites. I also included a color copy of my Drivers license and social security card as verification of my identity. with all of this both XXXX AND EQUIFAX refuse to follow federal regulations and refuse to remove these unlawful activities from my credit report. 

the next step is to follow a complaint with the attorney generals office and file civil action against both equifax and XXXX. i have done what is required of me under FCRA regulations and at this point i need federal intervention! 

everytime i call XXXX  to get a agent on the phone its always the same excuse " oh im sorry our system is down and we cant not access your file at this time '' XXXX  is up to something unlawful in my opinion and need a investigation into their practices!