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

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX CC 'D : Email : XXXX CC 'D : Urgent CFPB Complaint Filed RE : INCOMPLETE, INACCURATE, UNVERIFIABLE PUBLIC RECORD! - DELETE! 

Dear LexisNexis, I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed and I know that they did not provide you with this information as they explicitly stated that they don't report information to anyone. But I guess you use PACER to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. They were both DISMISSED and never DISCHARGED! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these bankruptcies from your system. It is not fair that you can simply snoop around and report only half-truths and cause so much distress. 

Bankruptcy - XXXX - XX/XX/year> The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s- 2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began to work on my credit file last year when I noticed that several accounts were reporting negatively that I had no knowledge of. While I was able to rectify most of the accounts, one remains, which is the account reporting from XXXX XXXX. At the time this account was opened, I was federally incarcerated. It was clearly a case of identity theft. I provided not only the credit bureaus, but XXXX XXXX with a signed FTC fraud affidavit, an affidavit they required for their bank, my incarceration records, and a police report. 

It was not possible for me to apply for credit. I have tried without avail and demand that not only the credit bureau, but also XXXX XXXX remove this information as this is causing me great financial harm as I try to rebuild my life and future. Both are in violation of SEVERAL laws in regards to credit reporting.
Product: Vehicle loan or lease

I did have a vehicle from this financed by this bank, but the vehicle was stolen and totaled Due to an accident and I was unable to pay the loan balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been falsely accused of Suspicious Fraudulent Activity that has been inaccurately reported to XXXX  & XXXX XXXX. This company has yet to verify any legal binding contract of any unpaid debt owed & refused to remove this erroneous item without an explanation. Failure to comply any proof of information of debt will result in small claims court for their action & damages of ; Defamation, Libel, Negligent Enablement of Identity Fraud & Violation of Fair Credit Report Act.
Product: Vehicle loan or lease

I received an offer in the mail from Rate Genius stating I could possible lower my car payment with a new loan and save {$180.00}. 

The letter directed me to a website. On the evening of XX/XX/23 I visited the website and selected just checking my options, completed the required information and before submitting the application I read the details of the offer. The website clearly stated my credit report would not be pulled until I selected an offer from one of their lenders. 

By the next morning, I was receiving alerts that my credit report was being pulled. I tried logging into the Rate Genius account that had been created and the link was broken. I called and spoke to an agent who said the application she was viewing indicated I agreed to have my credit pulled, I had been approved for a loan and loan representative would contact me. 
I waited 3 hours and called again. The next agent said they would send another message to the rep and assured me my credit had only been pulled once and submitted to 150 lenders, I said again, I did not agree to that. 
15 minutes later the rep called. I was approved for a loan at the same rate I already had with my current lender. Wouldnt make sense to accept the offer. 
I asked again, why was my credit pulled. The explanation was not sufficient but my application had been submitted to 40 lenders but one approved me. Something about they have multiples companies and a disclosure statement. I still cant access the account that was linked in the email communications I received. My credit score dropped 2 points immediately. My co-applicant had a 5 point drop. 

The offer I received was misleading and the explanation as to why they pulled my credit was inadequate. 

I revisited the site tonight and the application page has been updated to include terms that include I grant permission to have a credit check done. 

I have to give them credit for fixing their website but that doesnt help me at this point.
Product: Checking or savings account

I recently heard the Federal Government is cracking down on banks holding/delaying funds on electronic transfers. Regions Bank is doing just that. I have been banking with them for quite some time now and today ( XX/XX/year> ) for the first time the soonest I can pay a bill is one week away. I received my Utility bill in the mail today it's due on XX/XX/year>, and the soonest I can pay it is XX/XX/year>. That is cutting it too close. I usually pay it a week in advance XX/XX/year>. I called the bank both local, and corporate. They suggest I go down to the utility company and pay it there.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX BALANCED {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX Dear CFPB, In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and 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 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 
I didn't give permission to these accounts to publish my information to XXXX, XXXX and Equifax. 

The accounts are below : XXXX XXXX XXXX Account number : XXXX XXXX XXXX : Account number : XXXX Account number : XXXX XXXX XXXX : Account number : XXXX Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an XXXX dollar balance with XXXX they have had me showing a balance since XXXX when closed account. But never realized this and its XXXX dollars. 

I just paid this but would like the XXXX dollars removed from my history as delinquent as did not have or was not given notification had this balance. 

There is no reason should have had this on my credit report. Its absolutely erroneous and needs to be removed as negative impact. 


Credit usage 2 % Balance {$8.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Credit Card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX, I sent the attached letters to all three credit bureaus showing the inaccuracies between the three of them. As FCRA says i have a right to a fully accurate credit profile, I requested the accounts attached be deleted from my credit profile. Additionally, I requested a letter of validation with my WET SIGNATURE on the documents. I additionally received documents which did not contain them. Finally, I also requested information showing they are legally allowed to collect debt in the state I reside. I also did not receive this information as well. This letter was sent on XX/XX/2023. My follow up letters were sent XX/XX/2023
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have called and talked to, too many service people so I requested management .... I know have talked to I think three different managers .... I only know their first names they will not give last name... XXXX XXXX XXXX XXXX and XXXX who I had to leave message and still waiting for call back... All and I mean all data from phone conversations should be recorded for them to view, I requested each time for it to be recorded ... ..... I even request for them to read it before we discuss issues... 
None, none of these people have been receptive on resolving any issues... Most claimed they would send my request and I wait weeks to get the same material over and over... 

My request is to have them show me my escrow from my insurance, payments and Taxes ... ..Now for all three years, I have been paying... Each time I get the same material that DOES NOT SHOW MY TOTAL ESCROW... It shows the amount I pay each month in the insurance and nothing on my taxes... I ask for the total not a monthly statement that they keep changing .... 

Now I request all my monthly statement since I have started my payments, I do have most but not all, I want all even the settlement and transfer from my past mortgage holder .... 

Also I want to be fair, but It has't to be on paper and a clear debit to credit numbers ... .. no letter stating that is our record keeping... 

It is obvious I believe SPS is skimming small amounts of money from me and I am sure of others as well ... Just from the past three years I think it is over XXXX just me... I can not prove it I can not get the data or correct numbers to assume either way .... I am also looking in getting paid for going through this, they have .... I think the insurance is being manipulated as well .....
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquires on my credit report, I sent emails and certified mail to the credit bureaus and the creditors. It has been more than 30 days and they have failed to respond and or remove the inquires.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my TransUnion credit report, is the result of that XXXX. 
Accounts : Account numbers : Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of signed self attestation form to prove I am human who has been a victim of XXXX, so I do not need TransUnion to say or write me and say they could not verify me or my account.

Please block this information from my TransUnion credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of human XXXX  or XXXX XXXX  if the consumer has provided documentation of XXXX  to the agency. I have attached documentation of my self attestation to you TRANSUNION Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX pulls from XXXX credit card companies still appear on my report while they have been removed from both XXXX and XXXX. Both show only XXXX from XXXX XXXX. 

The XXXX that have been removed but remain on Transunion are : XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed multiple accounts on my report that arent mine
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous notice sent on 45 days ago from the date of this letter, regarding the dispute of certaininformation in my credit fi le. I am specifi cally addressing the fraudulent information listed below as a victim of identity theft ; See Fraudulent Collection Account Summary below.
Product: Credit reporting or other personal consumer reports

In response to my request for a credit report and credit score, Equifax has three times tried to tell me by mail that they cant find my file and that I must send them my Social Security information and a copy of my drivers license so they can verify my identity. On all three occasions I have sent them the documents they requested even though I know they already have this information and are now engaging in harassment pure and simple. The reason I know they are harassing me and already have the information they have demanded is because I obtained a copy of my credit report by visiting their office at XXXX XXXX XXXX on XX/XX/year> where I learned that Equifax had lowered my credit score to XXXX from XXXX. I wrote to Equifax requesting an explanation for this plunge and what I got instead of an answer was the afore mentioned letters claiming they cant locate my credit file. Equifax is here engaging in retaliation towards me because I understand how this corrupt, quasi-criminal enterprise works and am not afraid to say so. Equifax is setting the stage to torpedo my efforts to rent an apartment, obtain a loan or additional credit cards by telling these banks or vendors they have no file on me which is will result in default and my not being able to obtain housing, a mortgage, a car loan or any form of credit. The Fair Credit Reporting Act needs to be overhauled and Equifax needs to be sanctioned for its abuse of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : 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

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy, confidentiality and civil liability for willful noncompliance under 15 USC 1681. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. State I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 15 USC 1681 C-2 15 USC 1692g 15 USC 16811S-2 15 USC 1681i 15 USC 1681b 15 USC 1681 15 USC 1681b - 15 USC 168115-2 15 USC 1692g
Product: Credit card or prepaid card

The account in question has been closed for years now, but I still make payments on it. It ends in XXXX. Anyhow, a payment is due on every XXXX day of the month. Last month, on XXXX-2017, I submitted a payment of {$21.00} XXXX the minimum was {$20.00} XXXX. They will not allow you to submit a payment online without meeting the minimum. Anyhow, Citibank claims that I did not send in any money. However, I have proof that I sent in a payment ; they may have not deducted it from my account ; which is not my fault. I had enough money in my bank. I should not be charged any late fees for this for the month of XXXX 2017.
Product: Debt collection

We make a payment since a week, they told us they will send us a receipt for the payment and that never happens. 
We call 3-4 times a day every day and they continue telling us the same thing. 
Were trying to buy a house but because of this, that they dont give us the receipt or remove the account from collection Were literally in the streets with our XXXX little XXXX. 
Because of this company Credence Resource Management , LLC
Product: Debt collection

Credit collection services : this has to do with a car that was in somebody else name & they keep trying to attached to my name giving that we had the same last name XXXX XXXX XXXX : the account there referring to is past 7 years old past 7 years on my credit I dont wan na this hasnt been removed yet. But it keeping up with a new date. Since think I have no new account with XXXX in perfect standards.
Product: Debt collection

good afternoon, ive been asking for Validation of debt owed to XXXX XXXX XXXX  XXXX for a check that went to collection but has already been paid The Collection agency is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address the fraudulent account reported by CSC. and demand its immediate removal from my credit report. My rights have been violated under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ), Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), and UCC 3-501, causing erroneous damages. Despite disputing this account with the credit agency over 45 days ago, it remains on my report with no valid explanation. I have never signed any documents agreeing to your companys terms nor provided a wet ink signature. Your company is in violation for contacting me, harassing me with false documents, and continuing to report this fraudulent account. I demand that your company cease all activity on this account immediately and stop all reporting ( Cease and desist ). Failure to comply will result in legal action for these violations.

THIS ACCOUNT IS IDENTITY THEFT I DID NOT AUTHORIZE THIS COMPANY TO USE MY SSN AND IDENTIFICATION.
Product: Credit reporting or other personal consumer reports

I did not authorize a credit inquiry from this company on XX/XX/year> 2022
Product: Debt collection

I received a letter fr om Eastern Account System of Connecticut , Inc c oncerning a debt of {$980.00} owed to the creditor,  XXXX . After sending a letter  to Eastern Account System of Conn ecticut, I received a letter from them with a picture of a screen shot showing my address for the creditor service in  XXXX , SC. I never lived in  XXXX , SC. If you do a record search, you can see that I only lived in  XXXX , SC.