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

XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute involves XXXX XXXX XXXX and an inaccurate reporting of my account status. In XX/XX/XXXX I realized that though this account was sold to a collection agency XXXX XXXX XXXX on XX/XX/XXXX that XXXX XXXX Bank was still reporting data to the all XXXX credit bureaus ( XXXX, XXXX, and Equifax ) with the status being FP or " failed to pay ''. At this time, I initiated disputes with all 3 credit bureaus in regards to the accuracy of the reporting. According to the bureaus, the information was verified as accurate by XXXX XXXX. Subsequently XXXX XXXX in response to these disputes continued to report my account as FP or " failed to pay '' throughout XX/XX/XXXX. After multiple attempts to get this information verified by reaching out to the credit bureaus via letters ( 4 letters in total ) the bureaus began to mention that there was already a dispute open in regard to the  matter and that they do not open disputes that have already been verified as accurate. Upon being told this information, I reached out to XXXX XXXX directly and was told that they'd verified the information and would not open an investigation into the matter. After the letter was sent directly to them, they again reported FP or " failed to pay '' in XX/XX/XXXX on an account that had been settled with XXXX XXXX XXXX in XX/XX/XXXX. This has resulted in my credit report reflecting recent missed payments for an account that was sold on XX/XX/XXXX. XXXX XXXX has verified that the account has been in there possession since XX/XX/XXXX and that XXXX XXXX should not have been reporting any information beyond that date. After this account was settled there was still no update to the account as being paid or legally settled for a lesser amount.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to Privacy and Confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 Section 602 A States I have the right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 C ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.
Product: Credit reporting or other personal consumer reports

Chase credit card wont dispute my transaction they keep adding fees
Product: Payday loan, title loan, or personal loan

I applied for credit 2 times one which was XX/XX/XXXX and XX/XX/XXXX and was denied credit on both applications which is very fraudulent and aggravated identity theft. I didnt fill out a loan application according to 12USC 1431 banks do not lend money. I am a natural person the creditor and the applicant I went to this corporation to get access of my trust account and XXXX was suppose to act like the trustee instead they just stole my money denying me for my own credit when the inquiry shows that the consumer credit transaction was finalized! I didnt receive any benefit from any of the two transactions when I am the beneficiary! I provided my credit card my trust account to get access funds through this third party and was robbed off of my own credit. Not only was I robbed of my own credit but this company decided to report information ( the inquiry ) to credit reporting agencies without my written consent! Also gave me an adverse letter stating reasons for my denial when I can not be denied my own credit! And also the reasons showed me that they researched my credit ( social ) to obtain information out about me without my written consent! This is aggravated identity and very fraudulent! I emailed the corporation stating what happened and they have the nerve to tell me that non funds were disturbed nor an account was debited which is a major lie! To just tell me the beneficiary that I am denied access to my own credit after I gave my credit information which then the corporation withdrew money from is FRAUDULENT.
Product: Mortgage

In XXXX I purchased my home. In XXXX, I refinanced that home. Today, in XXXX, I am in a short sale. The reason is because my bank would not lower my 8.5 % rate to a more affordable rate. Yet, they are accepting a lower than market sale price. This makes no sense. I am being displaced so they could get less money for a home I was willing to pay completely for, just at a lower interest rate. I have exhausted all HUD options ( frankly there was only XXXX I qualified for ) and have done the deferrals with my bank. A lower rate is ALL I wanted.
Product: Credit reporting or other personal consumer reports

I wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to 30 days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 
Transunion Accounts XXXX. XXXX Account XXXX : XXXX XXXX {$750.00} XXXX. XXXX XXXX Account Number : XXXX Amount {$1800.00} XXXX XXXX XXXX Account Number : XXXX Amount : {$1300.00} XXXX. XXXX Account XXXX : XXXX Amount : {$350.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$27000.00}. XXXX. XXXX XXXX XXXX Account Number : XXXX Amount : {$17000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Amount : {$21000.00} XXXX. XXXX Account XXXX : XXXX Amount : {$300.00} XXXX. XXXX  XXXX Account XXXX : XXXX Amount : {$790.00} XXXX. XXXX XXXX Account Number : XXXX Amount : {$160.00} XXXX. XXXX Account Number : XXXX Amount : {$21000.00} This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and im entitled to {$1000.00} for every violation I listed, they have to pay me or delete these accounts.
Product: Bank account or service

I have been banking with Wells Fargo Bank for almost 2 years now and they have always charged me with insane fees. When I make a purchase, the funds get taken our of my available balance but their system manipulates it to where it goes back to your available balance and at a later date they take it out making it look like you made the purchase with no sufficient funds. It is designed to make you overdraft your account and so they can charge you {$35.00} NSF for a {$4.00} transaction. I have receipts of when I made the purchases that caused me XXXX charges of {$35.00} and I should't have been. I called their customer service and they wanted to just tell me how the system works instead of helping me out so I do n't have to make the complaint.
Product: Credit card

I have a XXXX XXXX XXXXXXXX XXXX XXXX  through wells Fargo. It was brought to my attention that a checking account which does not belong to me has been being charged. Wells fargo refuses to chargeback that card & allow me to pay back the bank myself. i did not authroize those card payments nor did the person whos account it is. Wells fargo basically told me i have to take it up with my bank but i was never authorizing those charges to be paid with that account since it is not even my account and i never added it to my XXXXXXXX XXXX XXXX. They have not been very helpful and i am open & willing to pay the bank back whatever was charged to this persons account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate blockage of inaccurate information on my credit report that is a result of identity theft. I recently attempted to apply for credit and was denied, prompting me to review my credit report. Upon inspection, I identified Three ( 3 ) unauthorized accounts reported by 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 and FCRA Violation : I have diligently tried to dispute these accounts directly with the creditor, XXXX XXXX XXXX. Despite my efforts, they have been unable to provide any evidence or documentation proving that I am associated with these accounts. As such, I am left with no choice but to believe that these entries are a result of identity theft. 
Furthermore, I did not provide any written permission, as required by the Fair Credit Reporting Act ( FCRA ), for the inclusion of the identified transactions on my credit report. As such, I am formally requesting that you block the reporting of this information as it is not related to any transactions initiated by me, the consumer.

Request for Blockage : Pursuant to FCRA Section 605B ( 15 USC 1681c-2 ), I kindly request the immediate blockage of the aforementioned unauthorized accounts from my credit report. This section explicitly states that consumer reporting agencies shall block the reporting of any information in the file of a consumer that the consumer identifies as resulting from identity theft.

Supporting Documentation : Enclosed with this letter, please find a copy of the police report I filed regarding the identity theft. This documentation serves as proof of the unauthorized nature of the accounts and supports my request for the blockage of this information from my credit report. 
I expect your immediate attention to this matter and request confirmation once the blockage has been implemented. Additionally, please provide me with a free copy of my corrected credit report after the changes have been made.
Product: Debt collection

On XX/XX/XXXX I called Adastra Recovery Services Inc and I called them and paid the debt in full with the understanding I would have the debt DELETED from my credit report because I was going through the Mortgage Process. The representative assured me that once I paid in it would be deleted immediately and I would receive a paid in full letter. I received a paid in full letter via mail dated XX/XX/XXXX but the item was NEVER deleted and has affected my ability to obtain my mortgage. My mortgage lender requested a letter from the collection agency stating it would delete the account offer my credit report. The company is refusing to provide with a letter stating it will be deleted and he has not been deleted as of XX/XX/XXXX although I was promised by the representative it would be XX/XX/XXXX. I also called several times starting XX/XX/XXXX and was told they would not issue me such a letter and that it will do come off until XX/XX/XXXX, That is not what we agreed and it is affecting my ability to obtain my mortgage. The collection Agency operated in DECEPTIVE and HARMFUL PRACTICES and will not listen to REASON!!!
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Lexis Nexis concerning the inaccurate reporting of negative claims on my consumer credit profile. I am deeply concerned about the accuracy and integrity of their reporting practices, as certain claims have been inadequately or un-demonstratedly asserted. 

My primary concerns are as follows : XXXX. Bankruptcy XXXX XXXX : After disputing the bankruptcy appearing on my credit report, Lexis Nexis asserted that the information is accurate. I find this assertion questionable, as the court, the source of this information, explicitly stated in a letter ( attached herewith ) that they do not report any information to credit reporting agencies. The failure of Lexis Nexis to validate this information with the source compromises the integrity of their reporting. 

XXXX. Privacy Act Violation : In accordance with the Privacy Act of 1974 552a ( b ), no agency, including Lexis Nexis, is allowed to disclose any record, such as bankruptcy information, contained in a system of records to any person or another agency ( XXXX, XXXX, or XXXX ) without the written request or prior written consent of the individual to whom the record pertains. I, XXXX XXXX, did not provide consent to Lexis Nexis or any other agency to collect or share my personal information with XXXX, XXXX, or XXXX. I request the immediate deletion of this erroneous information from Lexis Nexis 's system and from all associated credit reporting agencies. 

I kindly request the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate action to ensure that Lexis Nexis adheres to fair and accurate reporting practices. I believe that a resolution to these issues will not only rectify the inaccuracies in my credit profile but will also contribute to maintaining the integrity of the credit reporting system. 

Enclosed with this complaint, please find supporting documentation, including the letter from the court explicitly stating their non-reporting policy. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will handle this complaint with the diligence and seriousness it deserves. 

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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting

when I received a copy of my background check there were addresses on there that I never lived at before and there were charges that I was never found guilty of on there which caused me to get turned down for a job. I believe it was because they only searched my first and last name only.
Product: Credit reporting, credit repair services, or other personal consumer reports

some violations were made according to the FCRA due to wrongdoing of safety procedures. 


XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$630.00} XXXX XXXX XXXX XXXX, SCXXXX  ( XXXX ) XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Balance - XXXX XXXX XXXX # XXXX XXXX, MIXXXX ( XXXX ) XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account number XXXX Date opened XXXX XXXX, XXXX Balance {$890.00} XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT FTC VIOLATION
Product: Payday loan, title loan, or personal loan

One Main Financial pulled and accessed my XXXX XXXX, XXXX, and XXXX credit report without my authorization or permission. I never applied for a personal loan with One Main Financial. The credit inquiry from One Main Financial listed on my XXXX XXXX, XXXX, and XXXX credit report from XX/XX/XXXX is a fraudulent and unauthorized credit inquiry. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Clearing credit In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX, Account name : # XXXX Account name : # XXXX XXXX, Account name : # XXXX XXXX, Account name : # XXXX, Account name : # XXXX XXXX  , has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I was charged for a purchase multiple times. With no answers as to why.
Product: Money transfer, virtual currency, or money service

The company attempted to make an unauthorized withdrawal of {$1000.00} from my bank account. I did not initiate/request/authorize this in any way, and once I found out about it, I had to hurriedly contact my bank to execute a Stop-Payment on this transaction attempt, which involved a {$20.00} fee. At the very least, this company should reimburse me for that fee. And I want this incident to go " on record '' so that if there becomes a pattern of them doing this to people, they can be penalized accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information reporting error on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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
Product: Debt collection

I used a negotiable instrument which was my remittance coupon I used federal codes and I sent it to the address on Capital One paper work in items marked Paid In Full.

All debts are prepaid.