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

TO Lexis Nexis : CFPB case # XXXX Lexis Nexis # XXXX This is my 3 rd letter to you on this issue. 
When my employer checked Lexis Nexis on me you sent them a file with 71 " historic & Undocumented '' Judgments & Liens. 
that's 71 ( seventy one ). 
When I wrote a dispute you sent me my file with only 1 judgment & lien. 
THERE IS A SERIOUS DISCREPANCY HERE. 

I have several current credit reports from XXXX XXXX, XXXX, XXXX. They list no judgments or liens. NONE. 
I hired an attorney to do a upper and lower case search on me, They found NO judgements or liens. 
I have the file with 71 judgments listed, please see this file. The IRS lien you list 5 times, 4 of the 5 are duplicate an the 5 th shows " satisfied ''. 
Same with all the others, duplicate and of " satisfied '' many years ago. 
Please correct your records. If you send this false and mis leading file again I will pursue legal action with punitive damages. 

Please send me a corrected file showing NO judgments or liens. 

Sincerely XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Soc sec XXXX DOB CC : 1- CFPB
Product: Debt collection

Received letter stating I owe {$190.00} to XXXX XXXX and I have never missed a payment in the last 25 years I have been doing business with them and continued to be a current customer. This is some type of scam company and needs to be shut down!!!!!! Letter was opened on XX/XX/20 and letter dated for XX/XX/20.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the 3 credit bureaus and Bank of America, about information they are furnishing on my credit report back in XX/XX/2022. I explained about the inaccuracies of the report how it was effecting my XXXX  status. in XX/XX/2022, I was placed on administrative XXXX XXXX XXXX My lively hood started to turn into a hardship, today XX/XX/XXXX, XXXX because of lack of income, I had to sacrifice a roof over my families head or paying bills. The XXXX  I'm feeling just writing is and has been stressing me out, my wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in the house. This morning I got an alert of an adverse action that was placed on my credit report from Bank of America, my XXXX XXXX dropped XXXX points today and XXXX points within the past 10 days. I received a phone call not to long after that update, that my XXXX  was gone. XXXX XXXX XXXX XXXX, I reached out to Bank of America before this happen to let them understand my position and how they did have the right to furnish that information, also countless billing errors that needed to be fixed that they ignored. The claimed they did investigation, but I still have not received a copy of the report, no one I know have been contacted about this investigation and I was never called, emailed or contacted about such matter.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I recently reviewed my Equifax credit report and noticed an account with the name XXXX with the account number : XXXX that was not accurately reported. Specifically, it reflects a late payment for the month of XX/XX/2024 that I paid on time. Under the Fair Credit Reporting Act, consumer reporting agencies are required to ensure all reported information is completely accurate. This account has not been late on payments. I have attached a copy of my credit report dated XX/XX/2024 to support my dispute. I request that you investigate this matter and provide verifiable proof with records showing that a late payment occurred. If this information can not be verified, I respectfully demand the payment status be updated to reflect " paid on time '' immediately. Thank you for your prompt attention and understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Equifax and XXXX credit agency for not allowing me as a consumer to dispute unauthorized inquiries that are on my credit report. Both bureaus told me to file a police report with the police department, I did and call back they still would not accept nor allow me to file a dispute. It is my understanding that anything inaccurate on your credit report you have the right to dispute. 
You go to one dealer to purchase a car next thing you know you have multiple inquiries, if you have only authorized one and have 2,3 ,4, and more that is unauthorized if you did not give permission or had no knowledge the same thing with mortgage. Please help me in getting this resolved.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX hereby files a complaint against a debt buyer hereinafter called XXXX XXXX XXXXXXXX XXXX officially registered as a financial service organization within the state of Texas. I have attached a copy of my Experian credit post that shows as a debt originator and servicer that the debt never belonged to me. I desire my rights as a consumer to be protected under the Fair and Accurate Credit Transaction Act ( FACTA ). As a Texas bonded agent in the collection of its own procured debts, XXXX XXXX did not follow protocol pertaining to the identity theft matter that I filed as a police report on XX/XX/year>. Under FACTA guidelines, once an identity theft protest has been established, the creditor or debt collector must remove the protested item and complain about its own validity investigation. The police report was put together with details, as my identity was stolen and used for credit cards and one vehicle loan. On each of those occasions, the original creditor and/or its third-party interest deleted the credit tradeline from each respective credit bureau. Under XXXX, I demand that XXXX XXXX remove each false debt buyer collection permanently. A report on any negative response will be reported to the Office of Attorney General, state of Texas.

( 3 ) IDENTITY THEFT.The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Commission may prescribe, by regulation. ( 4 ) IDENTITY THEFT REPORT.The term identity theft report has the meaning given that term by rule of the Commission, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Commission ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false.

Accordingly, the complaint I am submitting is valid, the collection is not and must be deleted permanently from Experian respectfully. 

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

I am disputing about 5 credit accounts that I found out I had on Experian. I have contacted the credit card company over and over. They all keep telling me that I knew about it and it is legit. That is bull. It could have been a number of people that could have done this. We helped people out all the time that stayed with us. We even found out a couple that we thought were true ended up being who knows who that gave us alias names and disappeared. And as far as the bills or statements go they say I got, I never have seen a one of them until now and it is because my husband isn't here anymore nor are his friends. But I can't prove anything but my word and my true story. I am tired of repeating. I just need to get these disputes done. Please help me. I can not afford their mistakes, whoever they are. This dispute is with XXXX XXXX XXXX XXXX, XXXX. 
The client of them is XXXX XXXX, XXXX. Original creditor was XXXX. For the amount of XXXX. I have been disputing through Experian but nothing happens but them saying I am liable. Well, no I am not. Someone else did this. And they always used my phone too. How ignorant I was then. I am definitely treating people with suspicious nature now. Can't trust anyone. Please help me clear my credit score up for these peoples mistake. I can't even rent an apartment right now.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX. Whos XXXX  XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Debt collection

I received a copy of my XXXX  credit report and the company is reporting a collection that I have no knowledge of. I have never received any written proof from them validating the debt with my written signature, a contract or a document showing I owe them money. I sent a certified letter to the collection agency and it was returned undeliverable. This inaccurate information should be deleted. I contacted XXXX  with a certified letter and XXXX  responded with saying it was accurate but with no written proof of who was contacted, written information or a verifiable source
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been with XXXX XXXX XXXX for 10+ years with home mortgage and then had a home equity mortgage for 5+ years. Then in XXXX to XXXX of XXXX XXXX XXXX sold all their home loan businesses to other loan companies. While being with XXXX XXXX I always had a direct withdraw from my account and never had an issue. During this transfer of business my home loan transferred w/o out any problems and the home equity did not transfer at all with XXXX XXXX XXXX. Never rec 'd proper notification or any calls from this new company. Then at the end of XXXX of XXXX I rec 'd a call from XXXX XXXX XXXX rep ( before they totally closed this department ) she explained that they had transferred over my account to a new company and they have not rec 'd any payments- explained that I am on auto-draft and the funds have been in the account and should have been withdrawn - to find out that I needed to contact XXXX XXXX XXXX  to set up. Contacted them and got all set up and all of the back month payment caught up. The rep at XXXX XXXXXXXX XXXX stated that they would handle this and would not affect my credit since this was a transfer account. Then in XXXX the funds came out for that month. Then in XX/XX/XXXX automatic payments stopped again -- called them back and was explained there was additional charges that were applied to the account and automatic withdraws stop automatically if current on the account. Paid the additional charges and reset up my automatic withdraw from my account. Since then, there has not been any additional issues. 
. 
Reviewed my credit report and found that I rec 'd my first late payment on my account. I have never had a late report on my credit since I started 45 years ago. 
. 
Contacted XXXX XXXX XXXX and requested a review of all the issues that I had during the transition of my account from on bank to another. Rep said that they could remove the 1st late payment from my credit which they have to report after 90 days late - but since this was 5 months late, they were unable to help me. 
They refused to supply me with any of the note documents that were from the XXXX XXXX bank or myself during this transition. 
. 
I got on the site for XXXX XXXX XXXX to see what documents I could find. Found that the " Welcome Letter '' letter was sent out XX/XX/XXXX. I have been charged for 3 months of late payments prior to their welcome letter. 
. 
No certified letters were ever sent to the home address by XXXX XXXX XXXX or XXXX XXXX XXXX. 
. 
I have requested my file to be reviewed and have been denied for the review. 
. 
I have attached the Welcome letter and my credit report to show this has been my only late report and need assistance for a company that can assist me in my problem or an attorney that may assist me in my situation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is a third party debt collection agency. I do not owe them money, nor are they reporting that I do. However, as previously stated in my complaints, XXXX XXXX XXXX has viewed my credit four times in the past year. 

I filed a complaint with the CFPB regarding this issue. I received my XX/XX/XXXX, report from Trans Union and discovered XXXX XXXX XXXX is still reporting inquiries. I believe this makes their actions malicious.
Product: Checking or savings account

At the day XX/XX/, the US bank closed my account. ( My account number : XXXX ) and I have no idea why they closed my account. 
Also, I tried to call and ask to US bank customer service but they do not give me any information about the case and always automatically shut down the phone. 
I really want to know what day exact they give me back my money and the reason why they close my account because I do not want it close, they have usually used for a long time with nothing happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you to work on resolving this issue as quickly as I can.

I sent in a identity Theft packet to report this matter it has been over 30 day and the issue still remains I ask that this item be removed from my credit profile this item is not mine and has truly effect my credit report and is preventing me from getting credit.
Product: Credit reporting or other personal consumer reports

Someone has been trying to apply for credit using my name. The following Credit Inquiries are NOT mine nor did I ever consent or authorize any of these companies to pull my credit. Please investigate this issue and send me the results and IMMEDIATEDLY remove form 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an employee who was fired from the company for stealing I believe open these accounts XXXX  as i never received any od these high ticket items they show I owe.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Bank account or service

I have used paypal for many years. In the past years they have introduced a paypal credit concept. It never bothered me since it was assumed that I could just never use this account as I never needed it. 

Fast forward to this month. I find out that all of my transactions now default to paypal credit and I can not change this setting. I got hit with XXXX late fees and XXXX interest fees. The total payment I made was {$110.00} of which {$64.00} was late fees. This is an exorbitant amount of late fees and interest fees. The late fees make up for 57 % of the total payment. 

To add insult to injury, I tried calling paypal. They put me on hold for an XXXX before I decided to try to reach out via email instead. 

When I composed the email, the paypal site promised me a XXXX hour turn around. That was XXXX weeks ago. I have yet to get any sort of reply. I am starting to think that there is no customer service at all at paypal. 

Another point of complaint is that the only way that I knew I had late charges was because they sent a letter to my old address. My address is up to date on paypal yet they sent it to an outdated XXXX. No emails were sent to me and no calls were made to tell me that I was overdue on an account. 

This is fraud in that they forced me to use paypal credit when I did n't opt in to the account then charged me with late fees and offered no way for me to talk to anyone at paypal.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. 
Based on my most current consumer report Experian is reporting utilization on my credit report from ALL MY OPEN CREDIT CARD ACCOUNTS ( 22 total including authorized user accounts ). According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Which means the consumer being me and the person making the report which are all the credit card companies I have personal business accounts wit. Utilization is an experience created by credit usage. Experian has reported the utilization of every credit card account on my credit profile which is an experience created by my credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. Please furnish the agreement that states I gave permission to have your reporting agency to publish my personal experiences and transaction history. I never gave Experian written instructions to report anything to my consumer report, regarding late payments or utilization to be furnished to my credit report. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states 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 method undermined the public confidence with is essential to the continues function of the banking system. By Experian reporting the Utilization my privacy and personal transaction history with each credit card company I have private business with has been violated due to Experian violating my consumer rights by allowing the credit card utilization to report to my consumer report! I expect this matter to be handled in a timely fashion.