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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am still having issues opening a Wells Fargo Bank checking account after Wells Fargo Bank has informed me by U.S. mail that they would have the consumer reporting agency XXXX XXXX XXXX to delete all adverse information from my consumer report with XXXX XXXX XXXX. I tried to open a Well Fargo Bank checking account online in XX/XX/2020 and was denied, even after Wells Fargo Bank told me they would submit information to XXXX XXXX XXXX to delete negative information from my consumer report. I feel like Wells Fargo is discriminating against me because of my race and me having my previous debt with Wells Fargo Bank discharged under Chapter XXXX on XX/XX/2020 in bankruptcy court with the United States District Court-District of Minnesota.
Product: Debt collection

Dear cfpb, I am writing to formally dispute incorrect information that appears on my credit report. Specifically, I am disputing the false claim regarding unpaid rent payments during my tenancy at [ XXXX XXXX  : XXXX XXXX XXXX, XXXX, CA XXXX ]. 
I resided at this property from XX/XX/XXXX to XX/XX/XXXX and made all rent payments in full and on time via cashier 's checks. These payments were made promptly upon move-in and continued through the entirety of my lease period. Unfortunately, there were over four property managers during my tenancy, and I suspect that the first property manager, XXXX, may have failed to cash or properly account for these payments. This error seems to have resulted in the current claim against me. 
This false claim has caused significant distress, as I am now being harassed by debt collectors and property supervisors over a mistake that was not mine. I am providing evidence to substantiate my dispute : 1. Lease agreement documentation showing the agreed-upon rental terms.

2. Any relevant correspondence with property management addressing payment concerns. 
Please conduct a thorough investigation into this matter and correct the inaccurate information on my credit report. I request that this item be removed promptly to prevent further harm to my creditworthiness. Thank you for your prompt attention to this matter. I look forward to your resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong.

I am just saying that I am not 100 percent sure if they are. also I read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something please called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.

Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me?

I saw on a credit site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything are missing or not correct on them. 

I demand the following accounts be verified or removed immediately. 
Name of Account : XXXX XXXX XXXX Account NumberXXXX. Verification : 'Cancel contract. please provide the original contract or delete! 


In accordance with the Fair Credit Reporting act XXXX Account # 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: Student loan

i made an electronic payment around XX/XX/XXXX, over 6 weeks ago, of about {$110.00} That payment was removed from my bank account and sent to Navient. I quickly noticed that the payment was never applied to my Navient account, so I started calling my bank and Navient to determine what was going on. After a group phone call between me, a representative from my bank, and a Navient representative it was determined that Navient had misplaced my payment, but my payment was sent to the right address. The representative then stated that the issue should definitely be resolved by my next due date at the latest. I then proceeded to call at a minimum once a week to keep tabs on the progress, and each week I was told something different by each representative, with none of them having any idea about my accounts situation whatsoever. Every representative after the initial one told me that my payment was sent to the wrong address and it would be relocated within the week, and they highly suggested that I use my forbearance until the issue is resolved. One representative even told me that she had expedited my request and that someone had to look at it the next day and that it would be addressed that weekend. I also reached out via email and 5 days after the original email I received a response that was completely useless and in no way answered my original question. My next loan payment was due last week, and I made the payment on time directly through Navient this time, but noticed that the first original payment still had not been applied to my account as promised by Navient. I also tried calling during their normal business hours and was given a runaround by their automated phone system three times.
Product: Credit reporting or other personal consumer reports

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant anxiety and distress
Product: Credit card or prepaid card

I have been a Capital One card holder for 20 years. I decided to add authorized users to my account for business purposes and was flagged as fraud. My authorized users are all XXXX Americans including my husband. 

I have been subjected to daily harassment from Capital One requesting the documents of all users. This has become a huge inconvenience and frustrating situation as I have submitted these documents 5+ times to their link provided by the Management department. 

Again, I received another call about my account requesting further documents of users that were removed from my account also XXXX American. 

I am a XXXX female and have never been through such harassment until my husband and authorized users were added to my account. This clearly has become a race issue and there is no fraud being committed!
Product: Debt collection

I was previously a customer of XXXX. I cancelled my account and paid the final amount due in full, but an additional amount was reported to collections. XXXX claimed I had XXXX digital set top boxes, and did n't return XXXX of them. At the time, I lived in a XXXX, and definitely did not have a need for or possess more than one cable box. 

When I received a notice from the debt collection agency XXXX referred the bill to, Southwest Credit Systems, I requested that the debt be validated XXXX days after their initial contact. They did not respond, and have not responded to repeated requests to validate this debt. I 've filed disputes with the credit bureaus, but each time they claim the debt is valid based on information that Southwest Credit Systems supplies to them, but has never provided to me.
Product: Debt collection

I received a settlement letter about a debt the company says I owe. My name is not spelled correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to dispute this item still on my credit report in which I sent correspondence via email. I defaulted on a Capital One credit card due to medical expenses and being laid off of my job back in XXXX for health reasons. I was offered a chance to repay the balance owed on the credit card, and since my health has improved and I got a better paying job, I entered into the repayment plan. I opted for the 3 month plan in which I would divide the settlement amount of {$340.00}. I paid {$110.00} on XXXX XXXX and XX/XX/XXXX, and {$110.00} on XXXX XXXX. The very next day on XX/XX/XXXX, the account was never updated to reflect my third and final payment to settle the account. On XX/XX/XXXX, I conveniently received an email stating that I have made the final payment to settle my account. I want my credit reporting updated to reflect this account being settled ASAP. If you have received my money and sent an acknowledgment email to me stating that I have settled the account, then be fair about it and report the same to the credit bureaus. Attached is a screenshot from my mobile banking app of the three payments made to Capital One, the email received from Capital One, and the screenshot of the credit reporting showing that as of XX/XX/XXXX ( the day AFTER my payment was made ) it was still reporting the last payment was made in XXXX, which was NOT true. I want this account reported as settled and off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered two weeks ago that Lexisnexis -- as part of the Risk Solutions part of their company -- had a report on me that includes information about another woman with the same first and last name, but different middle initial and different social security number. This woman 's financial information is negative and I am in the process of trying to complete a financial arrangement which this information is blocking. I called Lexisnexis to dispute the information. The person I talked to was able to determine the problem by a simple visual examination of the data but said the dispute process would take 30 days. I asked that it be expedited. 

I should point out that none of the information in the Lexisnexis data base is in any of the reports from the credit reporting agencies, like XXXX. 

My immediate concern is the difficulty the inaccuracies are causing me. But in the course of my discussion with the Lexisnexis representative I became alarmed about the quality of Lexisnexis information in general. I was told that the data collection depends on first and last name only ; it isn't even sophisticated enough to take different middle names into account -- much less, apparently, social security numbers. Lexisnexis Risk Solutions describes the product as providing 'powerful analytics tools and targeted solutions that support more informed, more effective decisions '. Nothing about my situation supports this description.
Product: Vehicle loan or lease

I when to buy a car on XX/XX/2020 at XXXX XXXX In the XXXX New York XXXX made a down payment of {$22000.00} for a used XXXX XXXX. ..the price of the car was {$33000.00}.. I was told I need to finance the rest rest .. the salesman come back with a loan for {$25000.00} palisades fund co . I ask why so much. When I ask why. only have about XXXX left on the car he said after I pay it the rest would go back to the company. So I sign a 2 year deal to pay the balance. After 2 year I receive a paper say thank you for you service my title would be in The mail. I got a call about a week after saying it was a mistake and I still owe on the car. I went on vacation and was late on the payment by 4 days. They towed away my car and force me to pay XXXX to get it back. I need help .. because I believe they have broke some consumer laws
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington Law is currently being sued by the CFPB. Our company regularly receives bulk faxes from Lexington Law impersonating consumers and spoofing their number to look like the fax is coming from a consumer and not their company. These faxes come from the same 3 numbers ( XXXX, XXXX, XXXX ) for all consumers and pretend to be dispute letters from the consumer ( including fake signatures ). These faxes are disputing legitimate debts ( violation of the laws governing credit repair companies ) and are coming from area codes no where near where the consumers reside. Additionally they will come o

ne after the other with the address line showing the same number each time but with a different persons name on it. One would have though that with the CFPB currently suing them they would have already stopped this practice, yet it continues every day. Attached are the faxes we received just yesterday from this company. as you will see all faxes are of 1 or 2 formats. They all come from 3 n
umbers. Each number is spoofed to look like the fax came from the consumer. In most instances when we receive these faxes we will contact the consumer to speak about the dispute letter received and in over 90 % of the time the consumer is both unaware of the letter sent in their name and admit that they are in no way disputing that tradeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several Disputes previously sent over the past few months for collections and inquiries that are negatively impacting my credit report and no resolve
Product: Credit reporting or other personal consumer reports

I have been fighting Identity theft on my account for years and EQUIFAX refuses and lied to you all about the information NOT reporting on my files. It has cost me thousands of dollars in credit and interest rates for something I DID NOT DO. i have requested over and over again for Equifax to remove the collections on my account as of today XXXX even though they made a statement to you that is NOT reporting on my file. It is still reporting ONLY ON EQUIFAX. AS shown on a report dated XXXX the collection is reporting still on my file. XXXX XXXX XXXX XXXX has requested removal from all 3 bureaus over now 4 months and all has removed except for EQUIFAX. Equifax already may have been responsible for a lot of my Identity theft since they notified me years ago that there was a Data breach in which my identity may have been compromised and they STILL are reporting debt that was achieved thru IDENTITY THEFT on my file even though proof has given to them by XXXX XXXX XXXX XXXX that it IS not my debt. There must be some consequences for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Acima Digital is in violation of the law after being put on notice on numerous occasions, last being XX/XX/XXXX. Informing them they were reporting inaccurate and incorrect information. 
15 U.S.C. 1681i ( 2 ) Prompt notice of dispute to furnisher of information : ( A ) In general : Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
Furthermore, as defined by the IRS cancelled debt must be reported as grossed income, even if I did not receive form 1099c. Income does not get reported on credit reports. 
15 U.S.C. 1681 Congressional findings and statement of purpose : ( A ) accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681b Permissable purpose 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 : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit card

Payment was never late. All communication about reporting is between consumer and credit card company not consumer reporting agency
Product: Debt collection

I spoke to a man at Tek Collect inc. that said " May I speak to XXXX ''. I did not identify who I was, I asked him who was calling.. He said XXXX were calling to collect on a debt. I told him that I had not identified myself. He yelled did you pay the bill or not. Then he hung up in my face. He was rude and condescending.
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 AND CONFIDENTIUALITY UNDER 15 USC 1681.

ACCOUNT NAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 An 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, 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 BELEIVE THAT THE INFORMATION IS INACCURATE.
Product: Debt collection

for XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX agreement was made without a trial. XXXX XXXX XXXX XXXX paid the maximum amount of {$3000.00}. And should've been a balance of {$2400.00}. On my credit report is shows the amount exhausting over {$6000.00} with accrued interest. The property was left with no damages the property was being renovated.
Product: Credit card or prepaid card

My wife and I purchased furniture using a XXXX XXXX credit card we signed up for in late XXXX XXXX XXXX ). Since that time we have not received the credit card, account number or bill. After XXXX the bank ( comenity ) in XXXX that owns the card, I called their customer service number and was placed on hold for 32 minutes. I then went to their website and requested that my card be sent to me through their chat service. After still not getting the card, my wife went into the XXXX XXXX store where they sold me on getting this credit card, to ask them for the bill and card and the gentleman at the XXXX, MD location told us he would request a new card and bill be sent. 

Two weeks ago in early XXXX I got an email into my spam folder that said my payment late, so I called again and after a long hold finally got someone on the phone. I paid the bill in full over the phone ( even though I wouldve preferred to actually have the credit card and bill in hand ) and was still unable to access my account because the company does not give out account numbers over the phone. At that time the lady said she would reverse the late fee which I thanked her for. 

Yesterday XXXX XX/XX/XXXX ) I finally got the 2nd bill, though still without the credit card or 1st bill and noticed that I had been charged a {$70.00} interest charge despite not having the credit card or access to my account. I spoke to 5 different representatives and supervisors who said its their company policy at Comenity never to refund interest charges, even when it is clearly Comenitys fault for not having delivered my bill and credit card after multiple asks by me. 

If they do this to someone like me who has the ability to pay the bill, I can only imagine what they do to people who dont have the ability to pay their credit card bills. Truly horrible customer service and protocols.
Product: Credit card or prepaid card

This is now the fifth separate complaint I have filed concerning Capital One sending unsolicited offers in the mail. I have made multiple requests to be removed from their mailing list, which they continue to ignore.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THEY WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE. THE FOLLOWING INFORMATION DOES NOT BELONG TO ME EITHER : NAMES : XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX REF : XXXX XX/XX/2019 ADDENDUM OF SUPPORT In XX/XX/2019 Ive managed to purchase a XXXX XXXX at XXXX XXXX, located in XXXX XXXX, NY for the amount of {$190.00}. Couple days later Ive successfully returned the item back to the store, following the XXXX Return XXXX. XXXX Representative used the return label, attached to the product, and printed the return receipt, copy of which could be found as an attached .PDF. Even though, Ive been assured by the representative, that the refund should be posted back to my account in 3-5 business days, Ive never managed to discover it been posted actually. 

Under Fair Credit Billing Act 15 USC 1601, Section 166, Im expressing my intention to pursue to the request the refund of {$190.00}, back to my XXXX account. As it had been previously stated, Ive followed the XXXX Return Policy and was promised a credit to be issued. I have addressed this issue promptly to Macys customer support copy of a letter could be found attached in the form of .PDF, as well as vocalized my issue in a form of FTC Complaint, copy of which could be found attached as well. 


Im kindly requesting AmEx to issue {$190.00} in a form of a refund back to my XXXX account. 

I have retained a copy of this letter for my personal files. 

Regards, XXXX XXXX XXXX [ End of addendum ]