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

I am writing to address the ongoing issue with Lexis Nexis 's reporting practices to the credit bureaus. Over the past [ timeframe ], Lexis Nexis has consistently reported inaccurate information, including a bankruptcy record and other unverifiable data, to XXXX, XXXX, and XXXX. 

Despite repeated attempts to rectify this situation, including dispute letters and communication with Lexis Nexis, the inaccurate information has not been removed from my credit reports. 

On XX/XX/2024, I requested a consumer report from Lexis Nexis regarding the erroneous reporting of a bankruptcy record and other unverifiable data. I sent dispute letter recently but have not yet heard a response. 

Furthermore, I received a response from my bankruptcy attorney and the court stating that the bankruptcy can not be verified. 

The continued reporting of these inaccuracies by Lexis Nexis has had a detrimental impact on my creditworthiness and financial standing.
Product: Debt collection

XXXX XXXX XXXX 07/25/1989, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX, XXXX and XXXX, XXXX reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of * XXXX  account XXXX date XXXX This account have resulted in several fraudulent hard inquiries and fraudulent collection XXXX appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1997 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FMS SERVICES XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious  FMS SERVICES XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in  the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1997 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

This account is not mines. I have made several attempts to have this removed with XXXX. The other XXXX and XXXX  had done so. This company does not have a contract on me. Again this account is not mines. I never received a bill or phone call from these people. This account should not be on my report i do not owe this collection agency.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX, I AM SUBBIMTING THIS COMPLAINT ON THE BEHALF OF MYSELF, THERE IS NO OTHER COMAPANY DISPUTING ON MY BEHALF. PLEASE DO NOT SEND ME AN AUTOMATED RESPONSE! ALL DOCUMENTS WILL BE INCULDED FOR THIS DISPUTE. 
I do not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-C-2 to avoid any further legal proceedings. Thank you for your timely compliance
Product: Credit reporting or other personal consumer reports

I paid off the balance even though my account was fraudulently used. Ive contacted the company multiple times requesting a receipt or some type of documentation with proof. I was told I was suppose to receive it multiple time which I still havent. I have attached a screenshot of the payment that was made
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY 4TH ATTEMPT TO RESOLVE THIS MATTER IN REGARDS TO TRANSUNION, XXXX AND XXXX REPORTING CONSUMER INFORMATION I DID NOT AUTHORIZE OR GIVE PERMISSION UNDER THE FOLLOWING LAWS : 15 USC 1681 ( a ) 15 USC 1681 ( a ) ( 3 ) 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( b )
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against TransUnion concerning inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report, and to this date, they have not responded. I am providing the details of the inaccurate information and the necessary corrections : The following account is not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$340.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$510.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$130.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$720.00} XXXX  XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXX  XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$680.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$610.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$760.00} XXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$870.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Capital One calls every other hour from different numbers. I spoke with them once saying when I could pay. They said they would note my time but still have been calling consistently.
Product: Credit reporting or other personal consumer reports

I have disputed several items on my TransUnion credit report, but I do not agree with the results of the investigation. These items include multiple accounts, inquiries, and collection accounts. Despite my previous disputes, the information on my credit report remains unchanged, and I have not received sufficient proof or documentation regarding the negative information reported. I am requesting that TransUnion reinvestigate these items and either correct the information or delete the inaccurate entries.
Product: Mortgage

Payments mysteriously disappear after funds are cleared. Inaccurate accounting, misappropriation of funds. Unjustified foreclosure proceedings, the list is endless, if it has a legal definition PHH will break it. but currently I cant even find out who if anyone holds a mortgage on my property or who is my servicer. PHH is actually three companies, PHH Mortgage, XXXX XXXX and XXXX XXXX Mortgage. XXXX claimed that they transferred my loan to XXXX XXXX, but there was never any documentation filed with the county. Whenever I ATTEMPT to contact XXXX  XXXX, PHH answers. They say they can not help me because they are a separate company from XXXX XXXX. Why is PHH answering XXXX XXXX phones if they are a different company? PHH has been a complete nightmare for the entire time Ive been with them since 2003, They have done everything possible to steal my house. Please do something about PHH Mortgage and its fraudulent shell companies. I dont expect you to actually help me because no one does but if you could possibly save someone else from this XXXX show the world might be a little better place. 
XXXX XXXX
Product: Credit card or prepaid card

Dispute for fees charged to my credit card for a dog training service that was not provided by merchant. Several employees fired or quit to avoid paying back the charge. Attempted to contacted owner and trainer for company with negative success. Chase resolved dispute and did not credit back the amount for the scamed fees. On XX/XX/20 and XX/XX/20. 2 charges made by XXXX XXXX XXXX in the amount of XXXX each time.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EXPERIAN regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report ], I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXXACCOUNT Account Number : XXXX Disputed Information : HIGH BALANCE, LAST VERIFLED, DATE OF LAST ACTIVITY, DATE OPENED AND LAST PAYMENT Account Name : XXXX Account XXXX Disputed Information : HIGH BALANCE, LAST VERIFLED, DATE OF LAST ACTIVITY, DATE REPORTED AND LAST PAYMENT Account Name : XXXX XXXXccount XXXX Disputed Information : HIGH BALANCE, LAST VERIFLED, DATE OF LAST ACTIVITY, DATE REPORTED AND LAST PAYMENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : driver 's id proof of address social security letter to the credit bureau images of each account with incsartitu
Product: Credit reporting or other personal consumer reports

XXXX and Experian have erroneous personal information reporting on my credit report.
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX . 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 5 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  card not mine, dont know who they are. Opened XXXX never paid {$350.00} Syncs/tjxdc opened XXXX owed {$1400.00} XXXX XXXX opened XXXX owed {$590.00} These do not belong to me all my other cards were paid off and on time
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for XXXX  XXXX bankruptcy on XX/XX/2017. XXXX XXXX XXXX, who held my student loans, was notified on XX/XX/XXXX, XXXX XXXX reported my account 60 days late on XXXX of 2017. This was only reported to Equifax and was in error. No updates to accounts sould be sent to credit reporting agencies while in a XXXX  XXXX. No info/data should be reported. 
XXXX has not resolved inaccuracies on my Equifax report. XXXX sent me the letter attached and told me to send to Equifax in yet another dispute. Equifax answered with this : >>> The information you disputed has been updated as well as other information on this item. Account # - XXXX The results are : ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. PLEASE BE ADVISED THAT ACCOUNTS INCLUDED IN BANKRUPTCY DO NOT REPORT ACCOUNT INFORMATION AND ARE CONSIDERED AS CLOSED ; AND WILL REMAIN ON THE CREDIT FILE SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX How XXXX are these people? PLEASE BE ADVISED THAT ACCOUNTS INCLUDED IN BANKRUPTCY DO NOT REPORT ACCOUNT INFORMATION AND ARE CONSIDERED AS CLOSED Really? 


I have also called XXXX and Equifax directly to dispute. I have mailed numerous registered letters via USPS. I have filed complaints with the Department of Education. I have contacted the XXXX XXXX 's US Representatives office here in SC. The 3 credit agencies did not even respond to letters sent from this office.
Product: Money transfer, virtual currency, or money service

paypal just scammed me.Let me say that paypal are XXXX of epic proportions.They have a seller protection policy which is a fraud and a lie it is A BOLD FACED LIE PERIOD.This paypal company has many reviews about their " service '' on the XXXX XXXX XXXX  XXXX, XXXX etc like over 50,000 reviews and 99.9 % of these reviews are all negative .How on earth has this company not been shut down? They ruin lives is what they do.For XXXX Buyer purchased something from me and i sent her exactly what she ordered.Buyer then claimed i sent her less then what she ordered and filed a dispute for a full refund.I had full XXXX verified delivery confirmation with photos showing we sent her exactly what she ordered.She claimed we sent her 1 bottle of this childrens nutritional vitamin syrup when she ordered 6 bottles.Not only did we sent photos of the 6 bottles with the XXXX tracking number but we also got a invoice from XXXX showing the quantity which we sent was 6.The shipment weight also proves this.There is no doubt we have proven the buyer is a XXXX.These XXXX paypal are asking her ( the buyer ) to return the 1 bottle and then she will get a full refund.Problem is we didnt send her 1 bottle we sent her 6 bottles and even if we get the 1 bottle back in damaged or broken condition ( broken in transit ) the buyer will still get a full refund.We XXXX sent her 6 bottles paypal you XXXX.When we proved the buyer is a XXXX as in there is absolutely no doubt, paypal is still giving the buyer a chance to commit fraud.This is against their own seller protection policy.I demand my money back paypal you are clearly misleading people to use your services promising seller protection when there infact is none.you know it i know it and the whole world knows it look at this XXXX companies reviews all over the internet for XXXX XXXX.I have been scammed by this paypal XXXX company make no mistake about that no matter what they say i have been scammed by them and they are bold faced XXXX
Product: Mortgage

This loan has been going through a tortuous modification process with Wells Fargo/ASC for years ... .at least since XX/XX/XXXX. There have been a plethora of document requests which have been complied with. After years of document requests, borrower received a variety of reason to deny modifications ... ..too much income, not enough income, modification application pages not initialed,??? single family property, on and on and on. Borrower appeals with specific request for certain verification and validation and servicer responds, but sadly the response is not on point, rather more mumbo jumbo. Most recently, borrower asked for explanation as to how borrower 's income was calculated. The response was .... '' thank you for your request for short sale. '' After inquiry from borrower, Wells Fargo/ACS indicated they had mistook a bridge loan contract ( part of hardship ) for a short sale contract????? To date, they have never given the verification/validation or explanations requested by the borrower in his appeal or any calculations supporting denial. Rather, the property is scheduled for sheriff sale, XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I, XXXX XXXX, consumer, and natural person, am aware of ALL rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts Account Name : XXXX XXXX XXXX Account Number : XXXX * 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. 

Delete this account immediately, unless you want to be held {$1000.00} per violation. 


Account Name : XXXX XXXX Account Number : XXXX * 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. 

Delete this account immediately, unless you want to be held {$1000.00} per violation. 






Account Name : XXXX XXXX Account XXXX : XXXX * 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. 

Delete this account immediately, unless you want to be held {$1000.00} per violation. 


Account Name : XXXX XXXX Account Number : XXXX * 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. 

Delete this account immediately, unless you want to be held {$1000.00} per violation. 


Account Name : XXXX XXXX XXXX Account Number : XXXX * 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. 

Delete this account immediately, unless you want to be held {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for Barclays XXXX XXXX Please investigate and provide proof with statements showing that the payment was late. According to 15 U.S. Code S 1681e- Compliance Procedures, it it illegal to report inaccurate information. if proof can not be provided, I demand thus payment be updated to on time as they should be as I was NEVER Late. Thanks,