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

N accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX has 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 N accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX  has 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 N accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX has 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: Debt collection

I wrote to XXXX and called numerous times. Calling was not possible as I would get put on hold and then hung up on. finally I wrote to them and informed them that I was discontinuing my service. They continued to bill me and now it has been sent to a second collection agency, ERC. The first collection, XXXX, only responded to my correspondence by sending me a statement. No help as it showed a service I had discontinued. Please have them reveal my document to you and not report me to a collection agency. Thank You.
Product: Debt collection

failure to file 1099-C Failure to follow GAAP ( Generally Accepted Accounting Principles )
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights
Product: Credit reporting or other personal consumer reports

LexisNexis Consumer Center Consumer Number : XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Final Demand for Compensation, Notice of Intent to Arbitrate, and Request for Source Verification To Whom It May Concern, This letter serves as my formal demand for compensation and notice of intent to pursue arbitration or federal court action based on LexisNexiss violations of the Fair Credit Reporting Act ( FCRA ). Despite the removal of inaccurate and unverifiable bankruptcy records from my consumer report, your failure to comply with the FCRA caused harm to my livelihood, reputation, and emotional well-being. 

Violations of the FCRA Failure to Ensure Maximum Accuracy ( FCRA 607 ( b ) ) The dismissed bankruptcy records ( Case Numbers XXXX  and XXXX  ) were reported inaccurately, violating your obligation to ensure maximum accuracy.

Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ( a ) ( 1 ) ) These records were only removed after my formal dispute and CFPB complaint, demonstrating a lack of reasonable reinvestigation. 

Failure to Remove Unverifiable Information ( FCRA 611 ( a ) ( 5 ) ( A ) ) The removal of these records after review implies they were unverifiable or improperly reported, violating the FCRA. 

Demand for Compensation I am demanding {$7500.00} to resolve the harm caused by your actions. 

Notice of Intent to Arbitrate If this matter is not resolved within XXXX days, I will proceed with arbitration, where LexisNexis will incur the following costs : XXXX Filing Fees : {$1900.00} for business filings. 
Administrative Fees : {$1500.00} to {$3000.00} depending on case complexity. 
Arbitrator Fees : {$500.00} to {$1500.00} per hearing day. 
These costs will far exceed the {$7500.00} I am requesting. Resolving this matter amicably is a more reasonable outcome for all parties. 

I also reserve the right to file a federal lawsuit under FCRA 616 and 617 to seek statutory damages, punitive damages, and attorneys fees.

Request for Source Verification As required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I am requesting : The source of the bankruptcy information previously reported. 
A detailed explanation of how this information was verified. 
The name, address, and contact information of the entity or court providing the data. 
Required Action Provide written confirmation of your intent to resolve this matter. 
Compensate me in the amount of {$7500.00}. 
Provide the requested source verification details. 
To ensure proper documentation, I will be sending this letter via certified mail with a tracking number, as courts consider this the official start of a case. 

Please direct all correspondence to my mailing address or email at XXXX. I will not accept phone communication. 

This is your final opportunity to resolve this matter without further escalation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have two credit card accounts accounts with Capital One that I have had for almost 27 years and 15 years. On XX/XX/2020, I was sent a notice that one account ( {$30000.00} line of credit ) would be closed due to being inactive. I called Customer Service today ( XX/XX/2020 ) to ask that it not be closed as I use it for emergency purposes in my XXXX XXXX I was told the discussion was final. I did not receive any prior notice that it would be closed. The customer service rep indicated that I would not have received any prior notice. I expressed my concern that although I hadnt needed this line of credit for many months, I did plan to use it for an upcoming project. More importantly, it provided financial peace for my XXXX  during a time of a global pandemic. I inquired to whether some/all of this credit line could be transferred to my other account. The response was that it is not their policy to transfer lines of credit. I asked to escalate the issue. He indicated that no escalation path existed but I could speak to a supervisor who had the same access/authority as he did. I declined. I find closing accounts during this time to be unacceptable just because they have been recently inactive. This account has a perfect payment history and I have a FICO of XXXX. I also attempted to request a replacement card for this account on XX/XX/2020.. .but the estimated hold time was 6 hours.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXXXXXX XXXX XXXX XXXX : {$990.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX  Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$760.00}.
Product: Vehicle loan or lease

I, the consumer and natural person, was denied credit by Bank Of America when I applied for a auto loan in the amount of {$30000.00} on XXXX XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. Bank Of America is in violation of 15 U.S. Code 1642, U.S. Code 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft .The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX account to fraudulent investment firm ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account balance with XXXX  of {$100.00} which I had paid. I even have proof of my payment. So I disputed it with Transunion and let them know that Transunions information is in accurate because XXXX was saying that it shows that I have paid {$100.00} to clear the count. This has been going on for months. I keep disputing it and they keep coming back and saying its accurate. So I call XXXX Supervisors and talk to someone and let them know that its in accurate and they need to update it because Transunion not accurately updating my credit file makes my credit looks so horrible compared to the other agencies. XXXX said it should reflect the balance as paid. Transunion has sloppy reporting and difficult to challenge inaccurate information Im not sure where theyre getting it from. And then when things are cleared up and it shows on other Credit Reporting accounts I have to fight Transunion to clear it on there account. Sometimes it takes months and sometimes it takes years. Im looking forward to buying a house in the future but I feel like if Transunion keeps treating me like this as a customer Im gon na have a hard time getting approved. Im working very hard to build a positive portfolio. Transunion is hurting my overall Fico Score Without up to date or correct information and theyre not willing to work with me to fix it even with proof. Thats not right and I paid for their credit reporting service and they still have the most sloppiest and challenging to work with credit reporting service. Please look into this for me because somethings wrong
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and data breaches. 

I will also attached document that one of the credit bureau ( XXXX ) did a real investigation and removal the inaccurate data from my credit report. 

This company is in violation of : 15 U.S.C. 1681 - U.S. Code - Unannotated Title 15. Commerce and Trade 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681section 604 A section 2 states : I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States : A consumer reporting agency can not furnish an account without my written instruction. 

The account opened XX/XX/2020 Amount {$2500.00} During the time at the XXXX at XXXX Apartments I recently moved in with my mom, I was still in High School with no job. I was told I was signing a list of people in the home come to find out I was tricked into co-signing a lease. I didn't pay not one bill but my name is on the lease I've been trying to get this disputed for over 2 years now. It says its a joint account and been trying to move it to my moms since it was hers. I have called to get the documents showing a signed anything but the XXXX XXXX XXXX  gave me the run around.
Product: Mortgage

I applied for a mortgage with Chase in XXXX, closing end of XXXX. At the time, I was shopping around for rates and the loan officer promised that he would beat the competitors and get me a 2.625 % rate after applying discounts. I agreed. After applying, we reviewed the conditions for these discounts, and I fulfilled them. This was confirmed with the officer via both email and sms text. However, the rate quoted on underwriting document and loan agreement had none of the discounts applied ( 2.875 % ) in late XXXX. I sent multiple follow up emails and calls over the following weeks/months asking for the rate to be updated on the documents and the loan officer confirmed and assured me it was being worked on and would be reflected during close.

20 days before close my case was passed to a different officer and I was told the terms I was given do not qualify for the discount. They are refusing to honor the rate that we had agreed on both verbally and in written communications without moving additional funds, and with no acknowledgement or apology for any mistakes. 

I feel as if I had done my due diligence in confirming with them many times over the three months that I had moved sufficient funds and taken the appropriate actions to qualify, and at the time they had assured me that I had. To change their messaging at the last minute, despite having three months to notify me, leaves me with no recourse to go to another lender ( and had I been given the terms originally, I would have gone with another lender from the beginning ). I feel that they need to honor their originally agreed rate, and they have long passed the reasonable window to be making additional demands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a Bankruptcy from my consumer report because I notice errors in the public record section. XXXX agreed to the delete the bankruptcy then they reinserted the Bankruptcy to my consumer report. Please see attached document with the violation. 

Here below is the Public Record Information : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Original filing date XX/XX/2022 Latest status date XX/XX/2022 Reference number XXXX XXXX violated ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency.
Product: Mortgage

On XX/XX/2022, my house was completely destroyed by fire. My insurance company sent me XXXX checks totally {$350000.00} to cover the loss. However, as is common practice, both my name and the name of the mortgage company, " Cardinal Financial '' were listed on the checks. Per their instructions which appear on their website, I endorsed both checks and overnighted same to them with a letter requesting that they endorse the checks and use some of the funds ( roughly {$140000.00} ) to pay-off the mortgage. Per their documentation from their website, I included a voided check for them to return the balance of my insurance monies ( about {$240000.00} ) by ACH to my checking out. After not receiving any funds from them after the mortgage had been paid off for a week I contacted them and was told that my money was placed in a now defunct escrow account, and per their policy, they would hold the funds there for 15 days before " mailing '' them by regular mail to me. I told them that checks are often stolen from mailboxes in my neighborhood so that was not the best option. When asked why they would continue to hold my money for 15 days AFTER the mortgage has been paid off ( which is a total of 24 days ), the only answer I was given is that " it is their policy ''. This has got to be against the law. What right do they have to keep my money from me for any length of time that they choose? I believe they are holding my money for the purpose of collecting interest on it, as I can not see any other reason for them to hold my money from me. Then, in contradiction to their own documentation, they are telling me that they MUST return the funds to me via regular mail. Which of course, will take an addition 7 days for me to receive, that is, if no one steals it out of the mailbox. These big companies should not be allowed to XXXX XXXX with other people 's money. I have included their documentation explaining their Loss Draft Process which says NOTHING about them holding my money for 15 days, and that my funds can be returned via ACH.
Product: Debt collection

This company ( CommonWealth Financial ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 


Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX ).

1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting or other personal consumer reports

The following companies ran hard inquiries on listed dates without my knowledge or permission. Have been reaching out to them over the last year, with no response PayPal via XXXXPayPal XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Student loan

Basically theres a scam going on changing my federal loan forgiveness and I called the number and they changed my password and used my social
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX XXXX XX/XX/year> {$1000.00} By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiry deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.