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

Consumer Name : XXXX XXXX XXXX XXXX case response # XXXX Violation of Opt-Out Request, Improper Reporting of Bankruptcy Information, and Faulty Identity Verification by LexisNexis, XXXX, and XXXX I am filing this complaint due to the XXXX of LexisNexis, XXXX, and XXXX to comply with my legal opt-out request, the continued improper reporting of bankruptcy information, and the inaccurate verification of my bankruptcy based solely on an outdated address. This situation is further compounded by the fact that I submitted an Identity Theft Report related to the fraudulent bankruptcy, which should have triggered the removal of the information within 4 days as per the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2 ).

Reason for Bankruptcy Removal Request : The bankruptcy on my credit report is fraudulent and a direct result of identity theft. I did not file for bankruptcy, and this information was placed on my credit file without my consent. I submitted a formal Identity Theft Report to both the credit reporting agencies and LexisNexis, demanding the removal of the bankruptcy from my report as per FCRA ( 15 U.S.C. 1681c-2 ), which mandates that fraudulent information must be blocked within four business days of receiving the report.

Improper Verification : Despite my identity theft claim, XXXX and XXXX improperly verified the bankruptcy based solely on an outdated address linked to my Social Security number ( SSN ). This method of verification is inadequate and does not meet the legal requirements for ensuring the accuracy of the information. 
Furthermore, I provided written documentation from the bankruptcy court, which explicitly stated that they do not report bankruptcy information directly to credit reporting agencies or third parties like LexisNexis. Therefore, any data used by LexisNexis and the credit bureaus to verify the bankruptcy is inaccurate and unverifiable. 
Violation of Opt-Out Request : I exercised my rights under the XXXX XXXX ( XXXX XXXX. XXXX ) to opt out of the sharing of my personal information. However, LexisNexis has continued to share my personal bankruptcy records with XXXX, XXXX, and other entities, despite my explicit opt-out request. 

LexisNexis attempted to replace my opt-out request with their internal opt-out process, which does not comply with federal law. Their continued sharing of my data is a direct violation of my rights under the XXXX and other privacy regulations.! 
Legal Violations : Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681e ( b ) ) Failure to verify the accuracy of the bankruptcy information reported, which was based solely on an address and not properly verified.

FCRA ( 15 U.S.C. 1681c-2 ) Failure to block the bankruptcy information within four business days after receiving my Identity Theft Report.

Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) Violation of my opt-out request by continuing to share my personal bankruptcy data with credit reporting agencies.

Privacy Act of 1974 ( 5 U.S.C. 552a ) Unauthorized sharing of my personal information without proper consent.
Product: Credit card or prepaid card

XXXX bank corporation has a balance of XXXX and it is a credit card it was opened on XXXX XXXX and it is closed and it is a charge off, It needs to be removed it is not my balance and my account. This card has been on my credit and it has a balance that is inaccurate and it needs to be removed off it. The account has an balance that needs to be removed from my account.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX with a balance of {$410000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have no clue of the date of alleged transaction. I have no clue of the services rendered, because I've never physically been to the alleged establishment, to look over, sign, or agree to any services. I have not gotten documentation, explaining the alleged charges. A red flag, to me, just looking at the amount, which is flat ridiculous. How do expect an individual to pay for something that there are not even aware of. I don't know how, anyone can total up those kind of charges at an XXXX  clinic. There is no way, I would agree to any type services like that knowingly. To add insult to injury, I don't get contacted at all, to at least give a FAIR chance to address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX and XXXX are credit reporting agencies. They are not credit bureaus. The only bureau that exist regarding consumers is the Consumer Financial Protection Bureau. Capital One is reporting false and negative information to my consumer credit report. Capital One is responsible for fixing it. I demand you correct your mistakes, update my consumer credit report, reflecting the correct information. Capital One did not have permission to give my personal information to the credit reporting agencies. Under the Truth in Lending act, Pursuant to Title 15 U.S. Code 1605, the Finance Charge in connection with any consumer credit transaction is the SUM OF ALL CHARGES. That includes late fees and lien fees from any title company. I was never late making payments. However Capital One is reporting a 150 days late fee to my XXXX consumer report. Pursuant to 15 U.S. Code 1666b a credit card ( social security number ) under an open end credit plan can not be treated late for any purpose. Capital One is reporting 30 days late in XXXX XXXX 60 days late XXXX XXXX 90 days late XXXX XXXX, 120 days late XX/XX/XXXX and 150 days late and XX/XX/XXXX. Capital One Received payment in full. According to CFPB 1016.7, and Pursuant to Title 15, U.S Code 6802 ( b ) Capital One was supposed to provide a form of opt out notice to consumers giving consumers the option to opt out of reporting private information to credit reporting agencies. Capital One has never sent a form of opt out notice, via email, mail, or electronically. I am demanding that Capital One remove or update the account with accurate reporting..
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed that I have several Late Payments that reported to one account. This account is being reported inaccurately on the XXXX Consumer Credit Report several times, and I have requested that this be investigated and the inaccuracy be updated from a " past due '' status to a " Pays account as agreed '' status. The Consumer Reporting Agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached screenshots of the credit report showing the specific inaccuracies. I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to " Paid or Paying as agreed '' immediately. Thank you in advance for your understanding and prompt action.
Product: Debt collection

SOLAR MOSAIC refused to send statements of balance or inform of delinquency status and balance. SOLAR MOSAIC led me to believe payments were suspended due to the legal matter since they were not sending statements or allowing me access to my online account when they were retaliating against me and setting me up. I also tried to access my MOSAIC SOLAR account online and I got a message " UNAUTHORIZED ACCESS ''. SOLAR MOSAIC should not be able to mark me as delinquent to credit bureaus all the way to charge off status without informing me at each progression which they did not ever do through statements or verbally or through my attorney ( I have a pending separate legal matter with them which is moving very slowly and it appears they want to ruin my credit as retaliation because they are singling me out among all the other customers who they are sending statements to and allowing access to their computer account. )
Product: Debt collection

I started receiving calls from a company that claims to handle debt collection for ace cash express. This number XXXX first called and then said they are trying to locate me so they can arrest me then they gave me a fake case number for a civil case in my local court and said I had 30 minutes to contact this number XXXX to pay to avoid being arrested they have been told to stop and wont give any information as to where they are located so I can send a letter to have them stop calling me. Based on what Ive found online is that this company has been sued previously for doing exactly what they are doing now, also the numbers given appear to be spoofed. I have attached a voicemail from one of the numbers
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXXThis is not accurate.please remove this inaccuracy from my report XXXX  - XXXXThis doesn't belong to me. please remove it from my credit report XXXX - XXXXThis doesn't belong to me.please remove it from my credit report XXXXXXXX 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
Product: Mortgage

SLS is the servicer of the mortgage with CMC Funding. I had a check from the insurance company for fund to fix my house after a hail storm. The check was made out to myself and CMC Funding. I called to get information on where to send the check and SLS would not help me without me giving them the last 4 of my SS # over a cell phone, which is a very dangerous thing to do. I was only asking for generic information that is not specific to my account but they refused to help me. They also lied to me to say that they could help me if I gave them my account number ( which I did ) and then they went back to they couldn't help me unless I gave them my SS #. I asked to speak to a supervisor, they left me on hold for a half hour and then came back to the line and wanted my SS # again. On top of all this, the lady on the phone continually spoke over me, which was very frustrating. And address should be a simple thing to give out. As well they should be able to tell me how long I had to send the check I registered on their system ( ie, 30 days, 90 days, etc ). This is a policy question, not one specific to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX XXXX  XXXX Balance : {$78000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Debt collection

it was rent they said I owed, I paid amount of XXXX which I paid in two payments, which they I would be reported if not paid, this was in 2014, they did take out the correct one.i saw now they have someone elses debt showing on my XXXX and XXXX report showing I owed them such a big amount of XXXX. I call spoke to a guy call XXXX, he found it was wrong and it still shows. I need this corrected. I am so embarrassed, I been tryong to correct this. I don't get any where with them. The co- I Q DATA INTERNATIONAL, XXXX XXXX XXXX, XXXX XXXX WA XXXX XXXX # XXXX. PLEASE I NEED THIS CORRECTED. I hope you can help me. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I personally called XXXX XXXX the first week of XX/XX/XXXX to get the pay off amount on one of my properties at XXXX XXXX XXXX in XXXX XXXX, NV On XX/XX/16 I signed off and XXXX confirmed that on that date the sum of over 93K was wired to XXXX to pay off that mortgage as of today XX/XX/27 I am getting Auto dialers that put me on hold for 3 to 5 minutes at a time all day long I am slammed with Calls, text, fax and emails I know I over paid and I want a refund ASAP Please do not confuse this complaint with previous ones I had 9 years from XXXX while dealing with them I blame even my moms XXXX, XXXX and ultimately even her XXXX on all the stress they put us all trough
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXXXXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX : $ XXXX XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$460.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$160.00} XXXX & XXXX ( Original Creditor XXXX XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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
Product: Consumer Loan

I own a XXXX XXXX XXXX. In XXXX I had my vehicle broken into and my XXXX stolen. In the the case I had XXXX titles to vehicles I own. I was doing some XXXX business earlier that day. The titles were for a XXXX XXXX truck, XXXX XXXX XXXX, XXXX XXXX XXXX. I reported the incident immediately to the XXXX XXXX Police Dept. XXXX sent a uniformed officer to take the report as well as XXXX technicians to process the scene. I was contacted by Wilshire Consumer Credit a few months later asking me for payment on a title loan for the XXXX XXXX. I explained to the representative I had never taken out a title loan and the vehicle title had been reported stolen. The rep then transferred me to their Legal dept so I could be relieved of any obligation. ( so I thought ) its now XXXX XXXX after sending countless documents that were requested ( Identity Theft reports, police reports, credit reports, Drivers Licence ... ... Wilshire consumer credit has no only neglected to address the matter they have reported the charge off to my credit report of over XXXX dollars they have refused to release my title by giving me the Run around, Lied constantly about giving me the title back and removing the bad credit mark. I 've spent XXXX on lawyers that have written demand letters. I have correspondence from Wilshire Consumers XXXX dept to my attorney stating they agree that I have no liability in this incident and will resolve the matter in a few days. It 's been months and years and still no resolution. This is my last effort to get something handled before I spend thousands more suing Wilshire Consumer Credit for my property and damage to my credit report. Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am writing this letter to dispute the following XXXX XXXX  XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX. XXXX XXXX XXXX Account XXXX. XXXX. XXXX XXXX XXXX Account XXXX. XXXX. XXXX XXXX XXXX Account XXXX. XXXX. XXXX XXXX XXXX Account XXXX. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Credit card

I am writing to bring to your urgent attention a critical issue concerning my credit report. Upon reviewing it, I have discovered fraudulent account that do not belong to me. I formally dispute the presence of this unauthorized account and request their immediate and aggressive removal from my credit report. As a victim of identity theft, I am perplexed as to why the CRA is not complying with the law, especially when the other bureaus have done so. I have provided supporting documentation, including a copy of my identity document, and any other relevant materials, to substantiate the claim that this account is a result of identity theft or fraudulent activity. The fraudulent account in question : BARCLAYS BANK/GAP XXXX. 

Recognizing the importance of your role in maintaining accurate and reliable credit information, I urge you to swiftly and aggressively investigate and remove this fraudulent account from my credit report. It is crucial that these unauthorized entries be deleted as soon as possible to prevent further damage to my credit score and financial standing. I appreciate your understanding of the urgency surrounding this matter and request your prompt attention in resolving this dispute. I hereby request that you initiate an immediate investigation into this fraudulent account and provide me with the results as soon as possible. I expect that you will take all necessary actions to promptly delete these entries, ensuring the accuracy and integrity of my credit report. Thank you for your prompt attention to this matter. I eagerly anticipate a swift resolution and the removal of the fraudulent account from my credit report.
Product: Money transfer, virtual currency, or money service

They took around {$30.00} of my investment and did not allow me to access it at all. Saying my account is under review and not replying to emails.
Product: Credit card or prepaid card

On XX/XX/20 I spoke with a Rep named XXXX about my Capital One credit account. Due to sickness and the pandemic, I had accumulated several late fees. I asked assistance on getting my account caught up. XXXX informed me about " XXXX XXXX XXXX '' that would help me. I was to agree to pay {$60.00} that day and put the account in good standing. She also set the account up for auto pay from personal checking account. The next month on the 9th day I noticed that there was no debit from XXXX XXXX. After waiting a few days, I contacted them XXXX XXXX. They informed me they had no record of me setting up Auto pay. They also refused to remove the late fee. My account fell behind once again. Since then I have made monthly payments. About 3 weeks ago my bathrooms flooded and I had to leave my home for some time. The day my XXXX XXXX payment was due, I made the payment online around XXXX due to the remodel going on in my home. XXXX  XXXX applied a late to my account stating that payments made after XXXX are processed the next day.
Product: Credit card or prepaid card

My husband gave me a 4 gift cards for {$250.00} from XXXX XXXX XXXX & someone got my number & used one at the Saks in XXXX XXXX XXXX on XX/XX/2018. I called the asset protection & they are not being much help. The New York store does not seem to know how to investigate in this matter. 

The other 3 cards were used on XX/XX/2018 in XXXX XXXX. They were very helpful & already got the persons name. Theyre sending me a new gift card for {$750.00}. 

I hope you can help me get my {$250.00} gift card back from the Saks in XXXX XXXX XXXX & find out what happen. 

Thank You