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

I am submitting a complaint regarding LexisNexis and their inadequate response to my inquiries concerning bankruptcy information reflected on my credit report. On XX/XX/year>, I mailed a certified letter to LexisNexis ( tracking number : XXXX ) requesting clarification on whether the bankruptcy information reported on my credit report was furnished by them. 

I received a response from LexisNexis, but it did not answer my specific questions. The letter provided only general information regarding the LexisNexis dispute procedure and failed to address whether LexisNexis provides bankruptcy information to XXXX, XXXX, and XXXX. They did not confirm whether bankruptcy information is sent to these credit bureaus or if they report this information to any of the major credit bureaus. 

Additionally, the letter indicated that for disputes related to bankruptcies, I should reach out to the PACER Service Center. However, the PACER Service Center is not listed as a furnisher on my credit reports, which adds to the confusion and raises concerns about the accuracy of the information provided to me. 

This lack of a substantive response raises significant concerns regarding LexisNexis 's compliance with the Fair Credit Reporting Act ( FCRA ) and California consumer protection laws. 

1. **Failure to Respond Adequately : ** Under the FCRA, consumers have the right to receive accurate and complete responses to inquiries regarding their credit information. LexisNexis 's failure to adequately address my specific questions constitutes a violation of this obligation.

2. **Inaccurate Reporting : ** According to Section 607 ( b ) of the FCRA , entities are required to ensure the accuracy of the information they report. By not verifying or validating whether they report bankruptcy information to the credit bureaus, LexisNexis is potentially perpetuating inaccuracies in my credit report.

3. **California Consumer Credit Reporting Agencies Act ( CCCRAA ) : ** California law mandates that credit reporting agencies maintain accurate and clear reporting practices. The CCCRAA requires timely and complete responses to consumer inquiries regarding credit reporting information. LexisNexis 's lack of a substantive response violates these provisions.

4. **Data Furnisher Requirements : ** As a data furnisher, LexisNexis is obligated under Section 623 of the FCRA to provide accurate information and to investigate disputes regarding the accuracy of the information reported. Their failure to confirm whether they furnish bankruptcy information to the major credit bureaus constitutes a violation of these requirements.

5. **Misleading Information : ** The inclusion of the PACER Service Center as a contact for bankruptcy disputes without clear disclosure that it is not a furnisher on my credit report is misleading and fails to provide the necessary transparency required under both the FCRA and California law.
Product: Prepaid card

I called the debit Visa card number on the back of the card. My sister gave me this gift card for XXXX and I had activated the card before and decided to use it at the store and it ended up not working. I stuck the card back into my wallet and tried making an online purchase and it didnt work either. I kept the card in my wallet for months since it wasnt working. I called today and asked why my gift card has never worked and told me that they couldnt activate my card due to fraud which was so frustrating because I hadnt really used it at all and the times I did use it, it did not work. The worst part is their website never works to activate my card online. What kind of company has a website and calling center that does not provide solutions? Is there anything that can be done?
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed something with the credit reporting agency, after 30

days it has not been removed, which is a violation of 15 U.S. Code 1692 ( e ) ( f ) ( g ). I want this
deleted.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. CXXXXe XXXXn - Civil Liability for Willful Noncompliance, 15 U.S. CXXXXe XXXXo - Civil Liability for Negligent Noncompliance, and 15 U.S. CXXXXe XXXX - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. XXXXi ( XXXX ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. XXXXa ( d ) ( XXXX ). 

Accounts listed below in green XXXX highlighted and tag as in violation under 15 U.S. CXXXXe XXXX ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States CXXXXe Law ( TILA, 15 U.S. CXXXXe XXXX ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA XXXX ( 15 U.S.C. XXXX ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section XXXX Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. CXXXXe XXXXb Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States CXXXXe Law 15 U.S.C. XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Bank account or service

After posting my furniture for sale ( for XXXX dollars ) on XXXX, i was contacted by a potential buyer who sent me a check for an excessive amount ( 2000 dollars ) and wanted me to wire the extra money ( XXXX dollars ) to his bank account as a fee for the moving company. 

After i deposited the check at a counter in Bank of America, my account showed the transaction as " Processing ''. After 24 hours, this changed and the funds became available. With this assurance of availability of funds from BOA, i went ahead and sent the wire transfer to the guys moving company via money gram. 

3 days after this, BOA got back to me stating that they are having to deduct the funds they credited to my account as they were unable to clear the check. They are holding me responsible for the fraudulent check. 

If they had n't cleared the check that i deposited at their counter after 24 hours, i would not have sent the wire transfer. At the very least, they should have informed me clearly ( not via some invisible fine print ) that the check has n't cleared yet and would take 4-5 days for final deposit instead of making the funds available without any caveat.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and associates listed {$790.00} delinquency report in XXXX, I disputed it in XX/XX/XXXX, they relisted it as being new in XX/XX/XXXX. They keep re-aging the account and marked it as a credit charge and it's a hospital bill that tenncare paid because I'm on XXXX. I complained to equifax about and have filed 22 disputes because the company is re aging the account that was paid and it lowered my credit report 47 points.
Product: Credit reporting or other personal consumer reports

Applied for a job and was required to go through HireRight for verification of resume, motor vehicle report, and other info. Information found on report is heavily inaccurate, and deposits trying to correct info on report, HireRight has not corrected. This has caused me to lost two opportunities and they also couldnt verify my references, though personal and Hr numbers weee provided for the school district I worked for. These people are XXXX clueless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX Date : XX/XX/XXXX XXXX XXXX/XXXX XXXX is an account that was or no show of ( ND ) No Data since XX/XX/XXXX and the account is past 7 years. 

Experian last report was XX/XX/XXXX and the the account show ( CLS ) Closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I would like to report violation to validate debt while keep calling and start engaging 3rd party collector for the same debt. 

What happen : Sometime XXXX XXXX, I have received later from debt collector " Credit Corp Solutions , Inc., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX, XXXX Regarding alleged debt : Original Credit : XXXX  Original Account : XXXX Current Creditor : Credit Corp Solutions Balance Outstanding : {$1200.00} Reference Number : XXXX Consumer responded to debt collector Pre-Legal Notice letter from XX/XX/XXXX in referenced to : XXXX with request to validate debt as of XX/XX/XXXX. Request for validation is sent via certified mail and as of XX/XX/XXXX, Credit Corp Solution have received my request. 

As of today, XX/XX/XXXX, I have not received validation of debt while collector started engaging XXXX part collector to represent them. Debt Collect ( Credit Corp Solutions ) employing another 3rd part collector ( XXXX XXXX XXXX XXXX ) to collect on Credit Corp Solution behalf while my original request for validation has never been answered. 

On XX/XX/XXXX, I received letter from XXXX XXXX XXXX XXXX stating that they represent Credit Corp Solutions Inc. in connection with the above stated account. I do not intent to engage with XXXX XXXX XXXX to discuss this matter while my original request for validation is not answers. 

While this case is been submitted I intent to contact the FTC, State 's attorney general and national XXXX and file complaint. 

Please see attached received latter and my request for validation. 
Pre-Legal Notice from Credit Corp Solutions Inc . 
Request for Validation Certified Mail Confirmation 3rd Party Collector Letter ( XXXX XXXX XXXX XXXX ) Thank you
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is someone using my credit information to apply for multiple credit lines and it is placing hard inquiries on my credit report. 
These inquires do not belong to me ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ga XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have had an auto loan with XXXX XXXX ( it is now paid off ). In XX/XX/XXXX I submitted a payment for the XXXX & XXXX loan amounts that were due, however, due to COVID and the XXXX holidays, I did not see the check being delivered or cashed by the Bank. When I called to check on status of the check being received on XX/XX/XXXX, I was informed that the payment was not yet received and it was reported as 30-days delinquent to TransUnion. Immediately on the phone I processed a payment to bring the balance up to date, and two-days later the check was received and cashed by the Bank. 
XXXX XXXX  informed me that they were experiencing mail delivery delays due to the Holiday season and the effects of COVID 19. I asked the bank to remove the delinquent reporting since it negatively affected my credit score, and a dispute was initiate ( dispute # XXXX ). In XX/XX/XXXX, I received an alert from TransUnion that the negative mark on my credit report was removed, only to find out few days later that it was re-instated and again resulted in a negative impact to my credit. 

One would think that, especially during the COVID crisis, this Bank would work with its customer favorably, especially when no loan defaults occured and the Bank was 100 % made whole in a timely manner. 

Regards, -XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern : I am writing because I received a XXXX late reporting on my credit report due to misinformation that I received from XXXX of your customer representatives XXXX on XX/XX/XXXX. 
I called into the customer support line of XX/XX/XXXX, to inquire about why I received a {$29.00} late fee when I made my scheduled payment on XX/XX/XXXX, which is the due date. I realized I had the fee by logging into the Barclays app. I spoke with XXXX who stated on a recorded call that the fee was an error on the companys end and that he would remove the fee. Prior to calling in I had scheduled a {$300.00} payment because the app had stated that I needed to pay that amount to get my account current. I asked XXXX about that and if I needed to make that {$300.00} payment or if he had corrected the error. He stated I did not need to make that payment and that the account would update soon and therefore I asked him to cancel the {$300.00} payment since he made it clear it was not necessary. 
On XX/XX/XXXX I saw in my app that it was still reporting I had a balance, so I called in again and spoke with a representative who finally explained that what happened was I did not pay the minimum payment of {$280.00} in XXXX. I made a {$200.00} payment because I was under the impression the minimum payment was {$180.00}. She explained that I would need to make another payment of at least {$200.00} to be current. I then went into the app and scheduled the payment while on the phone with her. She let me know that would cover XXXX payment but that I would still need to make another payment before XX/XX/XXXX to cover XXXX payment. 
Had XXXX explained on XX/XX/XXXX that the reason I received the late fee was because I did not make the minimum payment, and not that it was an error on the companys end. I would have made the rest of the payment that day and/or I wouldve made the {$300.00} payment I had already scheduled. He assured me that it was not needed and subsequently canceled that payment on his end.
Product: Credit reporting or other personal consumer reports

Im not able to login to my account and get my free online credit report from TransUnion. The message on the TransUnion website says : Your Account Is Suspended. TransUnion customer service refused to give me an access to my online account. They said TransUnion Corporate office blocked me and dont allow me to get my crefit report online. I called customer service and they said they are not able to fix the problem. The agent told me that TransUnion deactivated my account because Im from XXXX. This is harassment and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB Complaint to dispute the accuracy of the payment status being reported on my credit file. After reviewing my credit report, I have noticed that there is an erroneous account that are reporting late payments that is not true. I would like to request a correction of these accounts and have the accurate information reported. According to the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate information reported on my credit file. I have maintained a good credit history, making all of my payments on time, and it is crucial that the information reflected on my credit file accurately reflects this. I need you to take a look at this account : XXXX XXXX XXXX XXXX : {$490.00}. I have attached a copy of my personal payment records, which demonstrate that the late payments reported on my credit file are erroneous. I request that you conduct a thorough investigation into this matter and update my credit file accordingly.
Product: Debt collection

Doctors office staff said they were a member of my medical insurance, copied my insurance card then said that they were not in my insurance plan and is trying to collect for service.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

XXXX XXXX XXXXXXXX Police and Fire FCU # XXXX XXXX XXXX # XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
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 under the following circumstances and no other : ( 2 ) 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 am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card

On XX/XX/23, I made a purchase at Jareds in the amount of {$3600.00}. The store sales representative confirmed that the purchase would be applied a promotional rate of 0.0 % for 12 months. I agreed to this and made the purchase as this is something that I have done in the past without any issues. 

Since then, my payments were setup for automatic withdrawal from my checking account and there havent been any issues or communication other than emails confirming the payment due amount and date. There have been no emails informing me of statements or notifications of when the promotional rate was ending. 

Recently, I was getting ready to pay off the balance because I knew the XXXX deadline was approaching. As such, I logged into my online account and found that my balance was still {$3200.00}. This was a major red flag considering my payments were between {$110.00} and {$120.00} each month so I was expecting a balance closer to {$2500.00}. 

I immediately called the store to speak with my sales representative and she confirmed I should have received the promotional rate of 0.0 % for 12 months and asked that I called their credit card division of the company. I followed her request to which the credit card division said this was an error on behalf of the store and to consult with them. 

At this stage, no one is providing a resolution to the stores mistake and I have no one to turn to. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I settled two debt accounts within a six month period and I waited more than 30 days for each balance to be removed from my experian credit report. After it was not removed after more than a month I disputed the accounts as inaccurate based on there being no longer a balance owed. Both accounts that were disputed led to my credit score plummeting. Due mostly in part to a poor communication with me and little to no accountability for the credit bureau who has repeatedly reported inaccurate account statuses even after I filed a dispute against the inaccuracies. I feel that most of the decreases in my credit score were in retaliation because before I disputed the inaccurate account balances they heavily emphasized how the debt negatively affected my score. After I submitted the dispute both times my score almost immediately decreased without any cause stated. And after their sham of an investigation they lowered the amount of debt and lowered my score a second time for good measure. I believe that this agency Experian is guilty of predatory reporting and are seeking to profit from my poor credit by keeping my score as low as possible and constantly marketing credit cards and memberships to help " Get my credit back on track! ''
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$16000.00}