23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

LexisNexis XXXX XXXX reported a XXXX score of XXXX out of XXXX for the following three reasons:1. Identity elements not fully verified on all available sources2. Insufficient Age3. Input phone is invalid, non-residential, or disconnectedAccording to their own website an " Applicant [ loses ] points because age was XXXX years. '' How can this be if I am XXXX years old? LexisNexis ' lack of care in reporting accurate information has adversely impacted my ability to obtain utilities through XXXX XXXX without having to pay a substantially high deposit. For the past 8 years I have been able to obtain utilities XXXX without a need to pay a deposit. I have an outstanding credit score, as I just closed on a new home, and I have always made payments to utility companies on-time. I have never once been delinquent or account been closed for negative reasons. 

In fact LexisNexis performed XXXX separate report XXXX. Here are the findings : LexisNexis Reference - XXXX on XXXX/XXXX/2015 - credit-based score XXXXLexisNexis Reference - XXXX on XXXX/XXXX/2015 - credit-based score XXXX XXXX - on XXXX/XXXX/2015 - XXXX score XXXX based on credit
Product: Mortgage

Our mortgage account was sold to another mortgage company. While they have transferred our mortgage, we've made a payment to original mortgage company. Our check was cleared, however, mortgage company is claiming they never received our payment.
Product: Checking or savings account

The Branch Manager XXXX called me to asked questions about the customer service survey that I completed. Then she cut me off and interrupted me multiple times during the call. She never once asked me if I wanted to make a new appointment because I was past the grace period on my schedule time. Then she told me prescription is not always reality and just because the bank is empty that does not mean that the employee arent doing work. Even though she was the one I spoke with and told I was going to be late. Then when she called me she hung up the phone on me the call was so disrespectful.
Product: Credit reporting or other personal consumer reports

I already submitted information pertaining to my file held at Transunion and they have not provided me with proper verification which is in direct violation of the following codes. 15 U.S.C. 1681 ( General provisions ) 15 U.S.C. 1681i ( Dispute resolution and verification process ) 15 U.S.C. 1681s-2 ( Furnisher responsibilities ) according to the last complaint they said one account was unverified and the other was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ran my credit without my permission i ask them to only run one bank and they ran my credit to various banks which has left me with multiple banks running my credit without my permission. My Identity has been comprised in which someone has been trying to take various lines of credit in my name. 

" XXXX XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XXXX XXXX ) XXXX  XXXX ( XX/XX/2022 ) XXXX XXXX XXXXXXXX " XXXX XXXX XX/XX/2022 ) XXXX XXXX  ( XX/XX/2022 ) XXXX XXXX XXXX  ( XXXX XXXX '' " XXXX XXXX ( XXXX XXXX ) XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) '' " XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) '' " 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 XXXX. 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I do not speak XXXX, a student advocate from the XXXX XXXX XXXX XXXX XXXX helped me write the following : On XX/XX/2019, I visited XXXX XXXX dealership, and purchased a used XXXX XXXX XXXX ( VIN : XXXX ). Since I do not speak XXXX, all negotiations took place in XXXX. A XXXX XXXX dealer gave me a preliminary estimate of the costs to purchase the car which amounted to {$14000.00} plus taxes. I found this acceptable, so I decided to carry out the purchase. The XXXX XXXX agent requested that I make a down payment of {$5000.00} to continue with the purchase. I informed him that I did not have the money, but he insisted I made the payment before proceed with the purchase. I told him I could give him a check and would deposit the sum within two days. The agent accepted. Before signing, I did not get to see the full contract. The agent only showed me the payment schedule. Moreover, the agent did not explain any of the provisions of the contract, which is drafted in XXXX, even though I only speak XXXX. But the agent made several assurances that the contract reflected the terms of our negotiations in XXXX. However, when I went home that night, I noticed that the estimate that the agent gave me was way under the purchasing cost for the car. I panicked because the amount was many times higher than what I expected or could afford to pay. Moreover, I noticed that the contract stipulated several additional costs for services that I had not consented. For example, I never agreed to pay additional money for a theft deterrent device, paint, or to purchase a service contract. 

The very next day, XX/XX/2019, I returned to your dealership to rescind the contract. But the agent dismissed my request and told me that since I had signed the contract, I could not cancel it. He informed me that only option would be to refinance after a couple of months. I went back several times to try to rescind the contract, but my requests were denied. Not knowing what else to do, I cancelled the check for the {$5000.00} down payment. I did not even want to pick up the car, but I was informed that if I did not take the car, you would begin to charge me $ XXXX/day in storage fees. Because I was so afraid and because I felt I had no other option, I drove away with the car. 

On XX/XX/2019, one of the XXXX XXXX managers, XXXX XXXX, called me to try to negotiate with me. She promised to remove all the additional service charges that I had not agreed to, which amounted to {$6500.00}. She promised to draw up a new contract that would reflect these changes but I refused to sign this contract unless I could have someone else verify it. I asked for a copy but she refused to give me a copy or to allow me to take a picture. I informed her I wanted attorneys to review the document before I signed, and she informed me that this would only take place if the person came with me and threaten that I only had two days to accept her offer. I refused under these conditions.
Product: Student loan

Sallie Mae had the original loan for under {$20000.00}. Since being with Navient, there has been so many issues, from they had no record of previous payment, to check online about where your payments are going, to dealing with the rate reduction program. I have been dealing with the rate reduction am for 3 years, have made my payment on time, and most of my paymets go to interest. I owe them {$40000.00} now due to interest they have charged me. So for 3 years the amount I owe is still {$40000.00}, doesn't anyone besides me think this is wrong? How is this possible? I need help and have attached my info from Navient. I have also signed up again for rate reduction, but they are showing my current payment is over {$400.00} which is not and agreed to {$270.00} because I had to. I have been doing this rate reduction for 3 years and I'm not understanding where my payare going since I still show owing {$40000.00}. The people are not helpful, and say to look at the website, but the website shows all money I have payed going to mostly interest!!! Ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

Our mortgage was on autopay and when the final payment was due, it was not deducted from our account. We didnt receive any notice until XX/XX/XXXX and I immediately inquired and was informed that a cashiers check was required for final payment. We send a cashiers check on XX/XX/XXXX and was received by XXXX on XX/XX/XXXX. They have reported the XXXX payment as being late on our credit report and it is next to impossible to talk to anyone about this. We are purchasing another home and this single instance is keeping us from obtaining a mort.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR DISPUTE CREDIT INFORMATION XXXX XXXX  XXXX I, XXXX XXXX, believes that the account I had with the determined creditor was posted as either a charge off, or has excessive late payments that were deliberately placed after I got involved with XXXX XXXX XXXX. What happened is that XXXX XXXX XXXX let these accounts go into a charge off status before they came up with a settlement arrangement. Therefore, the charge off status on these accounts were caused from a pre-arranged relationship with XXXX XXXX XXXX and the original creditor and/or debt buyer. This is a collusion business practice where the consumer can not successfully negotiate herself out of debt without a long-term derogatory statement on her credit report. Accordingly, I believe that each creditor must fulfill a fair solution to the creditor arrangement now posted on Equifax, XXXX and XXXX XXXX respectively.

1 ) The original creditor must delete the prior-payment history completely.

2 ) A date certain must be stated as to when the credit tradeline can be removed.

3 ) The charge-off status must be deleted permanently.

All creditors maintain a subscriber agreement with the credit reporting agencies. These creditors must comply with all legal guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act pertaining to credit reporting on all consumers. However, the charge off status was forced by the debt negotiations company, and the late payment excessiveness was by design, not by any action from me personally. Accordingly, I believe the following actions by the original creditor on all credit updates will be fair under the circumstances : 4 ) The original creditor must delete the prior-payment history completely.

5 ) A date certain must be stated as to when the credit tradeline can be removed.

6 ) The charge-off status must be deleted permanently. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I Have sent several letters. This last letter has been sent over 30 days ago. The companies still has not fixed corrected or started an investigation to fix the problem.
Product: Checking or savings account

I was trying to make a rent payment to my landlord in the amount of {$600.00}. The payment came out and went back twice. On  XXXX / XXXX /   2017  I made  one last call to them and spoke about what happened and was trying to get it corrected. I was told I would be fine to try again and that the two failed attempts would not post and would fall off. This was clearly a lie and one posted and caused me to go into the negatives. I called to get this fixed and was patronized and treated poorly. I have had to call back several times to get this fixed and still nothing. Now I 'm in the negatives all because of a lie that was told to me with absolutely no urgency to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX, XXXX Balance : {$4400.00}, XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance : {$670.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date of receipt.
Product: Debt collection

The aforementioned accounts are fraudulent and have been included on my credit report without any legitimate basis. I demand an immediate and thorough investigation into how such blatantly false and damaging information was allowed to appear on my credit report. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. This situation has not only shocked me but has also created an enormous amount of stress and XXXX  as I grapple with the repercussions of inaccurate reporting on my financial standing. 
XXXX XXXX  XXXX PLEASE DELETE!!!! 
It is incomprehensible that your bureau, entrusted with the responsibility of maintaining accurate credit information, has failed to prevent the inclusion of fraudulent accounts. This negligence has not only violated my rights as a consumer but has also tarnished my creditworthiness, potentially causing irreparable harm to my financial future. 
Remove the fraudulent accounts from my credit report promptly and provide written confirmation of their removal. I am appalled by the lack of diligence and oversight that has allowed such a grave error to occur. The impact on my creditworthiness is not to be taken lightly, and I insist on a swift resolution to rectify this situation.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Equifax, TransUnion, and XXXX for Violations of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally lodge a complaint against the credit reporting agencies Equifax, TransUnion, and XXXX regarding their failure to report accurate information on my credit report, as outlined in the attached correspondence from First Progress Card. 

On several occasions, I have disputed inaccuracies related to my XXXX XXXX account. Despite my efforts, Equifax, TransUnion, and XXXX have refused to report this information accurately, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I refer to Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

The attached letters from XXXX XXXX clearly indicate that the account in question was properly verified and should be reported accurately. However, the refusal of these agencies to report the information is not only unjust but also detrimental to my credit score and overall financial reputation.

Furthermore, under 15 U.S.C. 1681n, consumers have the right to seek damages for willful noncompliance by reporting agencies. I believe that the actions of Equifax, TransUnion, and XXXX fall under this category, as they have neglected to fulfill their legal obligations to report accurate information. 

I request that both the Consumer Financial Protection Bureau and the Federal Trade Commission investigate this matter and take appropriate action to ensure that my rights, as well as the rights of other consumers, are upheld. I expect a prompt response to this complaint, along with any necessary steps to rectify the inaccuracies on my credit report. 

Thank you for your attention to this serious matter. 

Attachments : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello Sir, Mam! I will be so much thankful if you can help me to solve this problem with XXXX XXXX. Starting on XX/XX/XXXX ; I started inform them that if there is any changing in copayment for my medication not to send it anymore, but they ignore my messages and on XXXX they sent me a medication with higher copayments, and directly even not opened it I delivered it back to them. So they still asking me to pay the credit of {$120.00}, below you can see my messages to them : 1 ) XX/XX/XXXX Good Morning Please be informed that if there is any changing in co-payment so I dont need it So dont send any medication without my approval Regards XXXX XXXX 2 )  Hello customer service Please be informed that the medication sent to me on XX/XX/XXXX  ( XXXX XXXX XXXX ) was sent back as unopened to the sender in XXXX XXXX in IL I receive it So please cancel the co-payment of a {$120.00} Thank you Respectfully XXXX, XXXX 3 ) Good Day Please be informed that I refused to receive the medication which was sent by your dealer and it was delivered back to them directly so I am not going to pay for a medication that I didn't receive it Appreciate your business Thank you Respectfully XXXX XXXX JXX/XX/XXXX 4 ) Good Day customer service First of all I would like to thank you for your good service, then, concerning the amount of XXXX that I have to pay for none received medication. If you want me to do so send me again the medication XXXX XXXX XXXX. 90 Tab then I am ready to pay that amount PS. Please notice how many times I contacted the customer service asking them not to send the medication if there are any changes in co-payments. But they Ignore my messages and they sent it. Directly I sent it back not opened as I received it So please find a solution to this case Warm regards XXXX XXXX XX/XX/XXXX XX/XX/XXXX
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.

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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: Debt collection

on XX/XX/XXXX XXXX XXXX XXXX sent me a letter regarding my dispute i open with them on the incorrect balance they stated i owe of {$2400.00}. 


on XX/XX/XXXX i sent in require information of the update lease i last sign with my landlord at the time. 

the last lease i sign with XXXX XXXX XXXX was XX/XX/XXXX with me and my daughter listed. My rent was {$0.00}, ( i live on a base income apartment ) I made a phone call to XXXX XXXX on XX/XX/XXXX trying to get this resolve and settle, she stated she never look into the information that was sent in by me she sent it over to the client that stated my balance was correct. 

she also stated she can not help me and that she do not work for me and she was over talking me, it was a lot of over talking each other. 


I also tried to resolve and get a better understanding on the balance that was submitted that they stated i owed i contacted XXXX. XXXX today XX/XX/XXXX she stated that she could not give me a break down of the amount that they stated i owe them she also hung up on me with stating for me to not call back.
Product: Vehicle loan or lease

On XX/XX/XXXX, my vehicle was repossessed by Wilshire Consumer Credit. I contacted the company to determine the amount required to bring my account current and recover my vehicle. Two representatives explicitly informed me that the total amount needed was {$940.00}, which included my overdue payments, a {$30.00} NSF fee, and all necessary charges to reinstate my loan. They assured me that this payment would cover everything required to retrieve my vehicle and that no additional fees were involved. Based on this, I made the {$940.00} payment in full on XX/XX/XXXX. 

After making the payment, I called Wilshire Consumer Credit to confirm that they had sent the release authorization for me to retrieve my vehicle. At this point, a representative attempted to pressure me into paying an additional {$55.00}, claiming it was necessary to release the vehicle. This demand was made after I had already fulfilled the payment amount that two representatives had previously confirmed as sufficient. I refused to pay the additional {$55.00}, and after significant back-and-forth, they ultimately released the vehicle without requiring the extra payment. However, this attempt to coerce more money from me after I had already satisfied the agreed-upon balance is both unethical and unfair. 

Adding to this, after retrieving my vehicle, I discovered that Wilshire Consumer Credit had added repossession fees to my account. These fees started at {$500.00}, increased to {$550.00}, and eventually reached {$620.00}. At no point were these fees explained or justified, and I have not received an itemized breakdown showing how they were calculated or why they increased. Additionally, the {$30.00} NSF fee that was included in the {$940.00} payment remains on my account balance, indicating that payments were not applied correctly. 

On XX/XX/XXXX I submitted a formal dispute requesting : 1. An itemized breakdown of repossession fees, including how they were calculated and why they increased. 
2. The contractual or legal basis for the repossession fees. 
3. Correction of my account balance to reflect the payments I made. 

Despite this formal dispute, Wilshire Consumer Credit has not responded. Their refusal to address these issues or provide transparency, combined with their coercive attempt to collect an additional {$55.00} and the arbitrary increases in fees, demonstrates a lack of fair dealing and raises significant concerns. I am now at risk of further financial harm and potential repossession due to these unresolved issues. 

I respectfully request CFPB assistance to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXXXXXX XXXX  Ref # XXXX In accordance with the Fair Credit Reporting Act, the above companies has violated my rights. 15 USC 1681 Section 602 A, states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.
Product: Credit reporting or other personal consumer reports

I was checking my credit report, there are negative information. I told you, these information do not belong to me. Im sure that someone have my personal information.
Product: Credit card or prepaid card

I have social security. I had Direct Express card. I lost the card. I reported the card and got a new card. I tried the new card. It had {$1.00} on it. There were 3 checks missing. Social Security told me to take the problem to Direct Express, but I already tried. Direct express told me to go to Social Security!!