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

LexisNexxs failed to provide me a copy the CLUE report they created on me. 
I demanded a copy of the information maintain in their file on me, and LexisNexis stated it will provide the information in two weeks, Two weeks passed and LexisNexes did not provide a copy of my CLUE report The insirance agent provided that the report received from LexisNexis indicated accidents which is my fault and that is a FALSE statement in all material acpecs. 
THUS ; I requested a copy of my report ad LexixNesxis refused to provide my a copy, they stated " more time is needed to provide me a copy '' which is a false statement in violation of the Creitid Reporting act.

LexisNexis is falsely reporting and is in violation of the Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

Account status causing negative impact on credit anlasys. Score rating impacted. Ujustly violating properley not having a fair and impartial bias will not permit me to be treated equaly.
Product: Student loan

On or about XX/XX/XXXX I entered the XXXX XXXX XXXX, later XXXX XXXX of XXXX, as a Business student. I continued my classwork until XX/XX/XXXX, when I was hit with financial issues, and had to drop out of school. In XX/XX/XXXX, XXXX XXXX of XXXX abrutly closed its doors and left many students, like myself without the opportunity to continue their education. Now in XX/XX/XXXX, I am paying back a student loan for a school that has closed. According to what I have found, the grounds for student loan cancellation is that a school closes ( such as XXXX XXXX ). I have been in repayment status for approximately one-year, and when I recently submitted my request to cancel my student loans due to this provision, I was provided with a short-term forebearance that ends XX/XX/XXXX. This is NOT what I originally requested. 

I still over over {$8000.00} for an education that I can not complete. I have not requested that they review my " Loan Cancellation '' form since my original request in XX/XX/XXXX, since I do not feel that they will respond to me with an accurate explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/18 I went to XXXX XXXX XXXX in XXXX XXXX. I was interested in lowering my current payment, and transitioning into a XXXX vehicle. The salesman was very nice and honest, and then his manager XXXX came out to talk to us. He explained he would have to do a soft pull of my credit in order to give me a roundabout of what he could do for my situation. I told him I didnt want my credit pulled and could he provide me with a roundabout estimate of payment if I provided to him my scores, he stated do you know all three of your scores I stated yes. I provided him my 3 scores and he wrote it down and went in the back. It was around XXXX so my friend and I told him to call us and let us know what he came up with, he stated the payments are looking about {$400.00} with no money down. I walked out assuming he would call tomorrow with final deal. On the morning of XX/XX/18 I checked my score due to receiving an alert that my score had changed and to my surprise my credit had been pulled from XXXX XXXX against my consent. I called the salesman XXXX immediately and he stated he was on his way in. I asked did he have his managers phone number he stated no and that he doesnt come in until about XXXX. He insisted for me to come in and check out the vehicle to purchase, however I was more concerned about my credit drastically dropping in points. I made my way to the dealer and saw the vehicle, I didnt like the vehicle because it was a XXXX vehicle yet it had less perks than my current vehicle. XXXX ( XXXX manager ) came out showing papers claiming he never pulled my credit. XXXX stated to me alone He probably pulled your credit and forgot he did it At that time i was told to sign the credit authorization form in order to proceed. There was no deal they were able to work out for me and a vehicle and my credit suffered, even when originally my credit was not to be pulled. They pulled my credit illegally and I will like my score to go back to my original score of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2021 deragatory information provided. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Consumer disputes this account information Medical Subject has not satisfied debt. 

This letter is being sent to you in light of the notification I recieved from your organization and more importantly, because of your erroneous reporting to the credit bureau { s }, the highly adverse effect on my own credit report. Please be advised that this isn't refusal to pay, but a notice pursuant sent according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } That your case is disputed and validation is requested.

This isnt a request for " Verification '' or proof of my mailing address, however a request for VALIDATION made according to the above-named Title and Section. I deferentially request that your offices provide me with competent proof that I have legal obligation to pay you. 

It would be ideal if you provide me with teh following : * What the money you say I owe is for : XXXX Explain and show me how you calculated what you say I owe : *Provide me with copies of any papers that show I agreed to pay what you state I owe : *Provide a verification or copy of any judgement if applicable : *Identify the original creditor : *Prove the Statute of Limitatiohns has not terminated on this account : *Show me that you are authorized to collect in my state :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear, Experian Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 no recollection of authorizing this credit pull and I demand this to be removed. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

This is a continuation for complaint previously issued : XXXX I have received the note! Thank you. 
I have been waiting for the loss mitigation report. I have called and emailed multiple times asking for this to be expedited. We are at the 4 week mark and I have yet to receive requested documents for a settlement. This debt has not received payment in over 12 years, there are no reports of this debt listed or documented on any of the 3 credit bureaus. I am held up on offering a settlement to work on a refinance to get this house in my own name due to not receiving this information. The divorce decree has been sent along with court documents of order of content. For several years they have been sending statements to and only in XXXX XXXX name, to his address in XXXX, XXXX How this information was changed in the first place is still a mystery. The fact that they are sending the statement is his name only is also concerning. Why is my name not on these statements. The collection procedures make me feel it is a scam. You provided me with the note stating I am on this account, then my name shall be listed on ANY and EVERY statement that is issued! When I call to discuss, they still hound me for payment, and I am not doing such until I receive the loss mitigation. I have spoken with a bankruptcy attorney and am at the point of filing or just letting the house go in to foreclosure due to the stress it has caused me. At this point they need to find a resolution to settle this 12 year old debt for a fraction of the price due to their own negligence or face never seeing a cent once I let it go!
Product: Credit card

XX/XX/XXXX BB & T Bank XXXX XXXX XXXX XXXX, NC XXXX XXXX : XXXX XXXX Credit Card account SS # XXXX, DOB XX/XX/XXXX This letter is a formal complaint that you are reporting inaccurate credit information to all XXXX credit bureaus. I have made many attempts requesting that you correct this with no response from BB & T. 
1. I 'm requesting that you remove all 30 day late payments this was a bank error. 
2. Please contact the branch that handles my accounts the payments were set up on auto draft. 
3. Your contact person is XXXX XXXX located at BB & T XXXX her direct number is XXXX.
Product: Credit reporting or other personal consumer reports

Here 's a description of what happened without including personal information : In XXXX, I went through a XXXX from my XXXX. Since XXXX, I have been living and working full-time in the XXXX XXXX XXXX XXXX XXXX, XXXX, and currently, the XXXX XXXX XXXX XXXX XXXX ) . 
I recently discovered that an account with XXXX XXXX was opened without my knowledge or consent. I believe that my XXXX, her friends, boyfriends, or family members may have opened this account, along with several other credit accounts, using my personal information after our divorce. My XXXX knows my Social Security number and birthdate, but she denies any involvement in opening these accounts. 
I have provided documentation multiple times to substantiate my claim that I have been living and working overseas since 2008, making it impossible for me to have opened or used this account. I have not had any utility accounts in the US since 2006. I am currently undergoing a background check for a security clearance renewal, and this account has reappeared on my credit report last month. 
The collection agency, XXXX, informed me that they are not licensed to collect overseas and refused to discuss the matter further since I am currently outside the US as a contractor. However, they did mention that the debt appears to be from XXXX XXXX. 
When I contacted XXXX XXXX, they simply instructed me to pay the collection agency and hung up the phone without providing any further information or assistance. 
I am requesting that this fraudulent account be removed from my credit report and that the companies involved investigate the matter thoroughly, as I have never had an account with XXXX XXXX and have been living abroad since XXXX.
Product: Credit card or prepaid card

I lost my wallet and had multiple transactions on my XXXX card that I did not make. 
I called XXXX as soon as I realized this and I was assured all transactions would be looked into. I had the need to call XXXX extra times as that didn't happen. Now I am seeing all charges re-posted and customer service does not know why. I received no communication about this as well.
Product: Credit card or prepaid card

I need your help in order to get in touch with my bank and try to solve my problem. I would like my Citi Dividend Card to please investigate a charge made by a company called XXXX XXXX. This company failed to provide the services that I paid them for. I paid them {$800.00} on XX/XX/2017. I already tried to dispute with my credit card company but I do not appreciate the way they treated me and disregard my wishes stating that was past 60 days. I never got my services rendered and it is very hard to do anything in the first 60 days when the company you paid for the services is stringing you along. Thank you
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXXXX/XX/year>
Product: Mortgage

I purchased a house in XX/XX/XXXX, and refinanced with GMAC XXXX in XX/XX/XXXX. In XX/XX/XXXX the account was in default and I filed a ch. XXXX BK in XX/XX/XXXX to stay the foreclosure. In XX/XX/XXXX, I modified my Ch. XXXX and surrendered the property. In XX/XX/XXXX my BK discharged an I was relieved of any and all debt on the property. GMAC themselves went into BK and reemerged as Ocwen Financial. No foreclosure took place on the property, and in XX/XX/XXXX I was sued by Ocwen in Oregon in a Judicial Foreclosure process to collect a debt that I do n't owe. As a result of the lawsuit, a judgement was obtained, and Ocwen foreclosed on the property to collect from me on the judgement. Furthermore, that foreclosure process and judgement are now a public record and are preventing me from both FHA, and XXXX financing on a new home despite exceeding the 4 year post-discharge waiting period. The act of Ocwen to delay a deed of trust forclosure process while within the confines of my ch. XXXX BK, and the filing of a lawsuit to collect, on a debt that had been discharged, is preventing me from being able to purchase home. Ocwen has shown disregard for the protections offered by the bankruptcy process and has caused me both financial and emotional harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Needing to understand what information the service had after denying my historical pristine credit ( they have a XXXX score for me that I have never even been close to in my life ), I requested a report. There process is designed to prevent you from ever seeing the data. After ordering the report - which must be sent by mail - the mailed password provided to access my credit report - get this : On-line - was not valid or active. Attempts to reach the agency to determine why they sent an invalid pin are virtually impossible. The wait times are horrendous and they never answer your call, or disconnect you while you are in queue waiting. Its all designed with one intent - to make you give up.
Product: Debt collection

A company named Monarch Recovery called my place of employment, this a number I never give out as I work as an XXXX in a XXXX XXXX XXXX XXXX. They asked for the last four numbers of my social security, which I did unfortunately share with them. They stated that I have a large debt of about {$34000.00} from a hospital called XXXX XXXX. I live in Texas and have never been to XXXX, FL. The person apoligized to me and hung up. I then tried to recall and another person tried to ask me the same questions, but when I asked how they accessed my phone number the person hung up on me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information that has been reported to my credit report is fraudulent and I would like it to be removed and blocked from my credit report because it is causing me a lot of health issues. 









XXXX XXXX Status Closed Balance {$5100.00} Type Credit Card Payment Status Late XXXX XXXX Status Closed Balance {$11000.00} Type Credit Card Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX Status Closed Balance {$13000.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX   XXXX Status Closed Balance {$26000.00} Type Credit Card Payment Status Late XXXX XXXX Status Closed Balance {$3200.00} Type Unknown Payment Status Late XXXX XXXX Status Closed Balance {$660.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$6200.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX Status Open Balance {$2100.00} Type Unknown Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$6400.00} Type Credit Card Payment Status Late XXXX XXXX Status Closed Balance {$1200.00} Type Unknown Payment Status Late XXXX XXXX XXXX XXXX Status Open Balance {$2100.00} Type Unknown Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Open Balance {$44000.00} Type Installment Loan Payment Status Paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to a representative over the phone and was told that the account XXXX was under investigation again once I asked how was it " verified ''. The representative told me the account was being verified from the same exact agency that put the negative account on my consumer report. Congress knows that each reporting agency is supposed to abide by the laws of the fair credit reporting act. A real investigation pursuant section 611 is when the credit reporting agency interviews your family or neighbors and not the way they are illegally verifying information on the consumer. Transunion continues to break the law and do whatever they want. They must follow the laws of the FCRA. It's why congress put them there in the first place to protect the consumer. I demand Transunion to provide me all 3 things that section 604 of the fair credit reporting act says you must have if you're going to keep this on my credit report. If you can not provide I demand immediate deletion from my consumer report.
Product: Credit reporting or other personal consumer reports

These hard inquiries I do not recognize or have not been authorized by me. 

XXXX XXXX XXXX XXXX XXXX, XX/XX/23, XX/XX/23, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate, incomplete and fraudulent credit information on my personal credit report. The following inquiries do not belong to me and I never applied for the credit or these inquiries made in error : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no answer was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified account without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00}
Product: Credit reporting or other personal consumer reports

I previously disputed an inaccurate debt on my credit report with XXXX, Transunion, XXXX. The debt, reported by XXXX XXXX XXXX XXXX XXXX on behalf of The XXXX XXXX, was verified without sufficient validation. 

Upon requesting documentation, XXXX XXXX XXXX provided two conflicting documents : A summary statement showing a balance of {$2400.00}.

An additional statement with a different balance of {$1400.00} and an incorrect apartment unit number, and a different name.

These inconsistencies raise serious doubts about the debts validity. Despite these issues, the bureaus did not correct or remove the debt from my report, causing significant harm to my credit and affecting my ability to obtain a mortgage.

I am requesting a thorough reinvestigation, requiring legally binding documentation ( e.g., a signed lease or detailed account ledger ) to verify the debts accuracy.
Product: Credit reporting or other personal consumer reports

I received the following notice from Experian ... which was an unauthorized inquiry. 

XXXX Address XXXX XXXX XXXX XXXX, OH XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Charge Card. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Just happened to look at my credit report and saw somethings on there that I did not authorize.