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

Subject : Formal Complaint for FCRA Violations Inaccurate Information on My LexisNexis Report, Including Incorrect Bankruptcy Complaint Description : I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) due to multiple violations of the Fair Credit Reporting Act ( FCRA ) by LexisNexis. Despite filing several disputes to correct inaccuracies in my report, LexisNexis has failed to properly investigate and correct the erroneous information. 

Under the FCRA, all information on a consumer report must be accurate and consistent with the consumer 's identification. In my case, the information on my LexisNexis report does not align with my identification, violating my rights under this law. 

I have requested the following : The removal of inaccurate name variations such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The removal of an incorrectly reported bankruptcy on my file under case number XXXX, listed as a XXXX XXXX XXXX, with a filing date of XX/XX/year>, and the incorrect name " XXXX XXXX XXXX XXXX. '' The violations committed by LexisNexis include : Failure to conduct a reasonable investigation : Despite my disputes, LexisNexis has issued automated responses, showing a clear lack of proper investigation, in violation of 15 U.S. Code 1681i of the FCRA. 

Maintaining incorrect information on my report : The inaccuracies regarding name variations and an incorrect bankruptcy remain on my report, which is inconsistent with my identification, thus violating FCRA requirements. 

Failure to correct the information within the required timeframe : According to the FCRA, credit reporting agencies must correct or delete inaccurate information within XXXX days. LexisNexis has ignored this timeframe, unnecessarily prolonging the negative effects on my credit. 

Impact on My Life : The inclusion of an incorrect bankruptcy, alongside the persistence of inaccurate name variations, is severely impacting my financial life, preventing me from accessing credit and other services. The failure to investigate and correct these errors demonstrates clear negligence in LexisNexis compliance with FCRA obligations.
Product: Checking or savings account

Im filing a complaint against Westlake Financials I own a small auto dealership in XXXX Arizona called XXXX, XXXX. 
When I opened my dealership in XX/XX/XXXX I was excited to add Westlake financial services to my list of lenders. Westlake informed me that they need a {$500.00} deposit until I submit 10 deals or have one contract funded through them. Little did I know about their high unrealistic interest rates for top tier clients with excellent credits and the absurd fees they charge the dealers to approve the auto loans. For example if Im selling a vehicle for {$18000.00} to a client with a XXXX credit score Westlake charges the dealer a buy fee close to {$900.00} with an interest rate of % 13 which is totally absurd, attached is a copy of their contract and lender fees. So after submitting 3 deals, I decided to stop sending them credit applications and contacted my Westlake representative XXXX XXXX on XX/XX/XXXX to close my account and refund my {$500.00} deposit. Atfer I spoke Today with XXXX XXXX XX/XX/XXXX he informed me that Westlake did close my account but they wont refund my deposit. Their excuse is I failed to submit a minimum of 10 deals or I didn't successfully sign 1 contract. Is it legal for Westlake to refuse to refund my deposit?

Thank you
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report I was shocked to nd I have been a victim of identity theft. I have found numerous of accounts on my credit report that were not open by me. This has signicantly hurt me as I am in the process of buying a home for my family. Please remove from my credit report as soon as possible.
Product: Checking or savings account

I requested the overdraft fees and the nonsufficient fund fees, be reimbursed per the lawsuit and they have yet to reimburse me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Inc. 19 ) e to equa T ) ustomer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process a was unfair XXXX deceptive, as they ca non '' k comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

After having XXXX XXXX off my account back in XXXX, Ive realized Equifax failed to notify me within five days of re-inserting a previously deleted item. I did not receive any such notification.
Product: Checking or savings account

My mom received a check from a government entity, we deposited it in my chase account because have done so multiple times before with no issues. It took them a week to freeze my account and tell me that they needed verification for the check. i was told over the phone i could go to the branch we originally went to and show them my moms id an d a second form of identification. When we arrived, we were informed that they didn't need GOVERNEMTN ISSUED FORMS OF IDENTIFICATION and only needed a phone number registered to her name. Of course we gave them her phone number that she has had for the past 3 YEARS. Whatever database they're using, did not have that number registered to her name so they could not verify her identity. Despite us being AT A BRANCH with her ID and SSN. We were instructed to call boost and have them register the number to her name, of course we did that but they have no clue what we are talking about so basically boost can not do anything about that. So i tried calling chase again and seeing if they have any other form of identification verification we can do. Somehow a bank only has ONE way to verify someone's identity. and their excuse that i was given was, well we can't know if the person on the line is actually your mom. WHICH IS WHY WE WENT TO A BRANCH IN PERSON. They're holding our rent money hostage and telling me i have to cancel the check, which could take days weeks or even months. That was money given to use to help our rental situation and chase is making it worse. They did not need verification for the XXXX check we deposited in her name, but they do now for XXXX?
Product: Credit reporting or other personal consumer reports

i recently review a copy of my credit report and notice i had fraudulent accounts on my report. please remove these accounts from my report, they are hurtimg my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid off a collection on TransUnion in the amount of {$140.00} for XXXX XXXX XXXX. This account was updated as paid in full. As of today, this account was placed back on my credit report as if I owed the money. I have already sent them a receipt of where the account was paid off. This is hindering being able to qualify for my loan for my home.
Product: Credit card or prepaid card

Citi ( R ) Cards, XXXX XXXX XXXX, XXXX XXXX, MO XXXX. This company offers the Costco Visa Card that specifically states a 3 % rebate on travel services worldwide. I have been denied this 3 % rebate multiple times and have always filed a dispute with denial and them placing blame on the merchant ( which has nothing to do with 3 % cash rewards ). The Customer Service Team will send a conditional credit onto my account, waste weeks and ask for additional paperwork, proof of my claims, etc... only to be let down and screwed out of 3 %. Citi ( R ) Cards has reversed the 3 % cash back every time and disputed my claim on multiple occasions. This needs to be addressed via governmental agency for fraud and misrepresentation. I have attached the last letter I sent Citi ( R ) Cards and they FAILED AGAIN!
Product: Credit reporting, credit repair services, or other personal consumer reports

So I went on XXXX XXXX and got a alert saying a place ran my credit Im like what. So I looked it said syncB national credit cards/airlines and Ive never applied for anything like for anything before. I called synchrony bank they said they dont deal with that and told me to call credit people to get it off of there so I called they said I have to get a letter etc from the company and I was like okay so I went back called them and said same thing again so Im getting a complete run around Im XXXX like I dont need this stuff happening
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I looked at my report. I sent a letter to XXXX and equifax on XX/XX/XXXX asking them to reinvestiagate these accounts : XXXX XXXX XXXX, XXXX XXXX Also a XXXX XXXX account that synchrony doesnt have any info on. 
Also the account XXXX uplift XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I send a XXXX  letter XXXX XXXX I ask the XXXX to investigate my account. it came back verified which by 15 US code 1681 sub chapter XXXX  says rules of construction whole an interview with XXXX XXXX and XXXX  who know me. I need to know who they verified it with. Every thing has to be XXXX XXXX  accurate her is my credit report please delete this accounts XXXX XXXX  XXXX  court case or ID # XXXX and National credit adjusters ID # XXXX
Product: Debt collection

Cooling & Winters sued us for a debt that was past the statute of limitations. They ripped us off!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing an updated copy of my Credit Report, I am appalled to see my Credit File with no Changes at all despite all the letters I have been sending to them. The last letter I sent to the Credit Bureaus was dated XX/XX/XXXX with complete attachments of my Personal Information. I have read that the Credit Bureaus are required to remove any account and information resulting from the Identity theft. But I see here that despite all my efforts to inform the Credit Bureaus of my status, the Credit Bureaus took no action at all neither responded to my letters. I am now submitting this complaint to remind the Credit Bureaus of their obligation to comply with the FCRA section 605b and remove the disputed items completely from my Credit Report. I need the following items removed from my Credit File now : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to my complaint number XXXX, I haven't had the chance to respond. 
First, experian said that 2 of those account are not reporting at all, if so please clarify which 2 accounts, as I see 4 accounts reporting.

Second, based on the FCRA if one is a victim of fraud a CRA is then allowed " ONLY THEN '' to not only remove the fraudulent account but has a legal obligation to also BLOCK THE CREDITOR from reporting it!! 

Third, you mentioned you verified that it's accurate. We'll if so please describe what it is that you verified, and what's your description of Identity theft is? OF COURSE THESE CREDITORS RESPONDED WITH STATEMENTS SHOWING IT'S ACCURATE, AND I BELEIVE 100 % THAT THESE ACCOUNTS WERE REALLY OPENED ON MY NAME, ADDRESS, SOCIAL, AND DATE OF BIRTH!!!! 
WHAT DO YOU THINK THEFTS DO??? 

YOU THINK THEFT ARE THAT STUPID, AND YOU THINK BANKS ARE THAT STUPID TO OPEN AN ACCOUNT IF NOT ALL INFORMATION MATCHES. 

BASED ON THE FTC, 90 % OF PEOPLE FIND OUT THEY ARE VICTIMS OF IDENTITY THEFT MORE THAN A YEAR LATER. 

I WILL BE FILING A SEPARATE COMPLAINT REQUESTING PROOF OF THE 2 ADDRESSES WHICH ARE REPORTING IN MY REPORT AND HAS ABSOLUTELY NOTHING TO DO WITH ME. FURTHER WILL I INCLUDE IN THE COMPLAINT HOW YOU WERE ABLE TO GET 3 NAMES ON MY REPORT, AND I WILL ATTACH PROOF THAT YOU RESPONDED MORE THAN 30 DAYS LATER AMONG, OTHER VIOLATIONS.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX and home depot credit cards was stolen and misused without my permission! I have attached the police report below
Product: Credit reporting or other personal consumer reports

Subject : Request to remove inaccurate information from my credit report Dear Sirs : I am writing to dispute the accuracy of the following information in my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. After reviewing my report, I have identified inaccurate information that unfairly affects my credit score and would like to request removal of this incorrect information. 

Account details in dispute : XXXX * XXXX balance : XXXX Reason for dispute : This account contains inaccurate information that does not accurately reflect my financial history. Under Section 611 of the FCRA, I have the right to have my credit report accurate and verifiable.

Since the information is inaccurate, please request that it be removed from my report or, alternatively, that its validity be verified within 30 days. In addition, pursuant to the FCRA, the credit bureau is required to confirm that all information reported by creditors is correct and verifiable. If the creditor can not provide detailed and valid documentation justifying the accuracy of this information, I demand that this account be removed in its entirety. 

Request for Documentation To validate the accuracy of this account, please request that copies of all related documentation be sent to me, including : * Original contracts signed by me. 
* Communication records showing my relationship with this account. 
* Evidence showing that the account is valid and accurate. 

If these documents can not be provided, you must remove the account from my credit report in compliance with the FCRA. 

Request for Confirmation Please confirm in writing that the account has been removed or, if applicable, that it has been modified on my report. I look forward to receiving a copy of my updated report to verify that the change has been made. 

Thank you for your attention to this request. I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if I do not receive an adequate response within the stipulated time period. 

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

I am writing to formally request that you block and delete the inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these inquiries were fraudulently conducted in my name without my authorization.

The fraudulent inquiries are as follows : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I was on a Discover payment hardship program, which reduced my interest rate to 15 %. 
I was told that if I remove myself from this program, I would be able to get access to 1,000 ( my credit limit for my credit card-my credit card balance. 

I decided to do this and a customer service rep removed me from the program. 
She even told me it would put me on the same terms and conditions as before. Never mentioning that was there no guarantee that I would be able to use the card again. 
She misled me. 
Then once it had been done and asked her how long it would be before I could use my credit card, the truth finally came out.
Product: Student loan

My student loans are from my days at the University XXXX XXXX ( XXXX, XXXX ) and at XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX ). 
I increased my monthly payment to {$500.00} per month, to pay down the principal. My credit report shows the payments as {$490.00} per month. I wondered why/how {$500.00} could become {$490.00}, so I called the Navient. I was told to provide a copy of the credit report, which I did, along with detailed explanation of my question. ( I sent it by certified mail. ) I asked why the AAP ( actual amount paid ) was shown a dollar short each month. I also asked Navient to fix it. 
The following week, I received a letter, which answered a different question ( I had asked XXXX, clearly marked, questions. ) The letter neither acknowledged nor addressed my concern about the mis-reporting. 
A month later I received an additional letter. Here is what it says ( in part ) : XXXX " You recently asked us about removing information from your credit report. We 've conducted a thorough investigation regarding your concern ( s ) and reviewed the information you provided to us. Our research has concluded the information we 're reporting to the consumer reporting agencies is accurate and no corrections are warranted. 
" The Fair Credit Reporting Act requires lenders who report information to the consumer reporting agencies to do so with accuracy. Navient can not remove accurate information previously reported. 
" If you still believe the information reported is not accurate, please provide additional supporting information such as a copy of your credit report,.... '' XXXX As I wrote above, I sent documentation, I asked why there the information was incorrectly reported, and I asked that it be fixed. I was told there is no problem, and that a copy of my dispute would be attached to the credit reports. The letter I received made no mention of what it was that I asked. 
An additional concern is that Navient seems unable to send me a record of past payments which includes the remaining balance of my loan. This is important, because the credit report shows the remaining balance, but it also shows the erroneous {$490.00} payment. I want to see if Navient is also reporting an erroneous amount of my loan being paid off. 
Thank you for your time.
Product: Mortgage

Wells Fargo needs to answer these questions in full based on their last response to the same issue. Refer to CFPB # XXXX. 

XXXX. In their response to the above complaint is Wells Fargo denying ever sending me anything on XXXX XXXX, XXXX? 

XXXX. If not, are they only denying sending me a rejection letter on that date? 

XXXX. If yes to above, what do they claim they did send me on that date? And why did they send it and what records do they have in their possession to prove what they sent me? Please supply all documents to support the claim that something else was sent to me on that date. 

XXXX. Is Wells Fargo claiming they do n't have any records of sending me anything on that date? If so what records do they have to prove they sent me anything during the application process? 

XXXX. Wells Fargo either needs to admit they sent me something on that date via XXXX  or deny sending me anything on that date. Since there are records of that transmission having been sent to me they must either acknowledge or deny it.
Product: Debt collection

This is an attempt to collect repeated overdraft charges made to my account by XXXX for an unauthorized charge. The account was charged four times at {$35.00} each time and the remaining money in the account was taken and the " balance due '' was {$110.00}. At the time, I asked the bank to reverse these charges. They refused and sent it to collections almost immediately.
Product: Credit card

I had purchased some airplane tickets with my American Express " Bread cashback '' card. 

Orignal transaction amount was {$500.00} My flight was cancelled/delayed and the airline XXXX XXXXXXXX informed me I would receive a partial refund. I even have documentation of this refund but I never received anything.
Product: Mortgage

My mortgage was transferred from XXXX to XXXX mortgage. Neither company or informed me until I received an email from XXXX that they didnt receive my XXXX payment. I pay all my mortgages XXXX weeks earlier and I am paid up until XX/XX/2022. I called and emailed XXXX, how did I know I could even trust them when I was never informed? I explained situation they said they would investigate. They wrote back saying there was nothing they could do bc fannymae is struck but theyd try!? Im paid up so I m very upset. I called NewRez she said Newrez wired money to them 3 days ago. She also said Newrez made a mistake and deposited my XXXX payment for XXXX toward escrow. This was Newrez mistake. They said the would try to send to serving ti first x but most likely wouldnt be able to since not their loan anymore. They said XXXX just had to call them and they would verify to fix. I called XXXX and they refused fo call they said I had to send bank statements. Hi m getting run around with both companies. Not acceptable since neither informed me of change, Newrez deposited my check incorrectly, and not only do I pay on time but XXXX weeks early. Im not going back and forth anymore. XXXX and Newrez need to resolve this ASAP.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has reported to my credit bureaus stating I owe {$10000.00} this account was fraudulently open. I have no knowledge of this account and would like it removed. I reported 3 times that this account is disputed .the account was opened on XXXX XXXX. Ive been trying to get it removed still I havent and its reporting bad debt on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXIS NEXIS CONSUMER REPORT SERVICE IS REPORTING FRAUDULENT CAR ACCIDENTS IN MY NAME. 
AND NOT FOLLOWING FCRA RULE OF LAW.