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

I got help from Lexington Law to help me remove a couple of items from my credit report. On XX/XX/2021 they charged my bank account {$120.00} for their monthly services, which was fine, I expected to have to pay that ... But I called to cancel my account with them after just a couple of weeks because they had accomplished what I needed for them to and so I wouldn't be needing their services anymore. They never emailed me anything to give me a bill or an account number or anything, so naturally while I was speaking with one of their customer service representatives, she was unable to find anything in her computer on my case. She said that there was nothing more that she could do for me. I thought, well maybe I had already called and canceled it at some point and had just forgotten, because I had had to call on several companies to cancel things that I was no longer using, trying to clean up my credit report and other things because I am wanting to purchase a new house soon. And then on XX/XX/2021 they charged my bank account another {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act ( FCRA ), 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 Equifax XXXX XXXX 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 credit reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I saw my XXXX XXXX went down and found a collection agency XXXX XXXX XXXX XXXX is trying to collect {$420.00} for a XXXX XXXX bill that is not mine from XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX using my old name XXXX XXXX to have a XXXX XXXX that is not mine.
Product: Mortgage

Well fargo foreclosed on my mortgage loan and did not offer me a modification and I never even knew about this law suit that they offered customers that lost their home. I just received a letter from wells fargo saying they identified and error on my home mortgage and sent me a check for $ XXXX fargo never offered me a modification before they foreclosed on my home. I would like any and all information on this people let me kow
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX  is aware and has proof in the attachment labeled as Exhibit XXXX. ( XXXX XXXX  ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting or other personal consumer reports

I disputed a bankruptcy item that the Experian consumer information reporting company and the XXXX consumer information reporting company. I disputed this bankruptcy item with both companies during the disputing process and alerted them that the bankruptcy item that their company was reporting was not my bankruptcy. I received information from both companies at the end of their investigations that the information had been verified as accurate and not changes will be made. I contacted the Clerk of Court and was told that there is NO BANKRUPTCY in their court system for me, as well as, that they do not give court case information to any " credit bureau '' and that they do not verify any court case information with any " credit bureau '', because they do not give out that information. Employees from both companies committed fraud against me, because they sent me dispute results saying that the item had been verified as accurate, when the Clerk of Court said that they do not verify any court case information with any " credit bureau ''. The Clerk of Court also instructed me on how to get to the informational page of the Court website that states this for everyone to see. The Experian consumer information reporting company is reporting a bankruptcy item on my " credit file '' that does not belong to me, which they did not get from the Court nor did they contact the Court to verify this information, yet they included in their dispute results given to me that this item was verified as correct. The Experian consumer information reporting company is reporting a bankruptcy item on their " credit file '' attached to my social security number that does not belong to me, which they did not get from the Court nor did they contact the Court to verify this information, yet they included in their dispute results given to me that this item was verified as correct. The XXXX consumer information reporting company is reporting a bankruptcy item on their " credit file '' attached to my social security number that does not belong to me, which they did not get from the Court nor did they contact the Court to verify this information, yet they included in their dispute results given to me that this item was verified as correct. This is in violation of 15 USC 1681s2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), 15 USC 1681e ( b ), and 15 USC 1681 ( b ) ( 2 ). I request that this bankruptcy item that is not mine and is being shared as my consumer information through fraudulent activities by both the Experian consumer information reporting company and the XXXX  consumer information reporting company be removed from the " credit files '' attached to my social security number of both companies.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

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 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 card or prepaid card

My Wells Fargo card was used fraudulently in XX/XX/2022 to make purchases at a XXXX XXXX and a store named XXXX. Wells Fargo continues to tell me the charges are valid, On or around XX/XX/XXXX I was contacted by a 'XXXX ' from Wells Fargo Executive Offices and we had a conference with the Wells Fargo Fraud Investigation Team . During this conference I was told by Wells Fargo that it 'appears ' that I made the charges- I not anyone known to me made the charges abd yet Wells Fargo is forcusing me to pay for something I don't have. 'Appears ' is not sufficient proof that I made the charges it is conjecture, speculation. The onus is on Wells Fargo to prove I made the charges, it is not up to me to prove I did not. A police report was filed, an FTC Identity Theft report was filed. I nor anyone known to me made these charges. During the conference call in XXXX, the Fraud Investigation Team was asked by XXXX to provide additonal proof that I made the charges. I was told I would hear back within 10 days. I have not. I've tried to call XXXX on numerous occasions but he never answers nor does he ever return my phone calls after I leave a voice mail XXXX can be contacted at XXXX All Wells Fargo keeps doing to me is harassment. They state I have not provided additional evidence. It is not up to me to prove the alleged appearance that I did not make the charges. The onus is on Wells Fargo to prove beyond a reasonable doubt that I made the chrages they have not. I want the credit card closed after a credit is issued for the fraudulent charges. They keep telling me they will provide real evidence ( beyond appearance ) that I made the charge. This is unethical and is elder abue XXXX discrimination to make a XXXX XXXX  with a serious XXXX pay for something they never purchased and don't have the benefit of owning.
Product: Credit reporting or other personal consumer reports

I have requested XXXX different times verbal and through written to provide proof of statement records of all payments made, and missed since I opened the account along with identity along with the contract with the debt collector for any of this debt
Product: Money transfer, virtual currency, or money service

They told me several months ago that I had a {$450.00} charge back and their automated system has froze my account and I couldn't have it unfroze until I deposited {$450.00} and only then It would unfreeze my account and let me back in at which time they would return {$450.00} back into my account. After checking my bank account and records I seen there was NO charge back but since they said I was getting it back I went ahead And scraped up the rest of my funds and deposited another {$450.00} in my wallet just so I could get back into my account. Well after I made the Deposit I emailed them and no response. I emailed them again and no response. It has been over 2 weeks and I can't get any response and my account is still frozen. Please please help me. They are crooks and stealing people 's money and just writing them off. Someone has to do something about this. Thank you and best regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I called XXXX about what vendor they use to verify public records reporting on a consumer report. I was told by the representative XXXX that they use third-party vendor LexisNexis to verify public records information. I asked them do they look at supporting documents that are sent over and the answer I received was no they do not ; they send it directly to the data furnisher and let them verify the information. The problem I am having is if this information is being verified then why is it not being reported by them. I contacted XXXX and I got the same story as XXXX and what's frustrating is I am sending them proof that the Chapter XXXX XXXX does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below are listed the hard inquiries listed not once but more then once. I have rights and to my fair credit reporting act they Need to show me proof as to where I signed an have copy of my license to prove it was me to run my credit. They not only did it once they have ran my credit multiple times at different months. I am not happy an tried my best to fix issue on my own but I need help. I want proof I allowed these companys to run my credit. My rights are being violated. 


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

Im a victim of identity theft and have had a fraudulent personal loan opened in my name with a company by the name of BEST EGG/SST. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. The address on file that BEST EGG/SST have for this fraudulent account does not belong to me, and Ive never resided at the address. This company keep trying to validate this account as being a valid account, because this account was opened in my name which in inaccurate. I didnt consent, authorize, apply, nor request for this fraudulent personal loan to be opened in my name. I have several documentations showing that this is a fraudulent personal loan, but this company keep trying to validate this account with the credit bureaus as if this is a valid account. The address on file is does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed this fraudulent account as a fraudulent personal loan, and it is documented with the XXXX police department that, Im a victim of identity theft. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. When a consumer is a victim of identity theft that account that was opened in the consumer name will show that the account is a valid account. Due to the fact the perpertrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in the consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this consumer. Im not going to be liable nor responsible for a fraudulent personal loan being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files asap, and for this fraudulent personal loan to be removed out of my name immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below 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 has violated my rights. Or a list of Inquiries : 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 or 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. 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: Credit reporting, credit repair services, or other personal consumer reports

CLAIMS OF COLLECTION MUST BE WITH PHYSICALLY PROVEN CONTRACT, TRUE, ACCURATE, COMPLETE AND COMPLIANT SO DELETE OR CERTIFICATE EVERY NOTE, DATE, BALANCE, AUDIT, IDENTITIES, SOURCE CODES, P6 STMNT OR PIECE OF CONFIRMATION
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau : My correct name is XXXX XXXX. 
My correct address is XXXX XXXX XXXX XXXX GA XXXX. 
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. 
Sincerely, XXXX XXXX
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 the XXXX XXXXXXXX XXXX XXXX XXXX XXXXor {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX for {$30.00} told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX FOR {$30.00}, Account name : XXXX THE XXXX XXXX XXXX XXXX {$1000.00}. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally lodge a complaint against LexisNexis for their repeated failure to provide me with my Consumer Credit Report. Despite multiple attempts to obtain my report through their designated online portal, I have been unable to receive the requested information. 

Here are the details of my issue : I visited the LexisNexis consumer portal at the following URL : https : //consumer.risk.lexisnexis.com. 
I filled out the online form to request my Consumer Credit Report.

Instead of receiving my report, I received a letter stating " Unable to process request '' with the reason being " unable to authenticate your identity. '' The letter advised me to visit the same URL and submit another request, which I did.

This process has resulted in a continuous loop where I submit a request, receive a letter stating my request can not be processed, and am directed to submit another request.

This cycle has made it impossible for me to obtain my Consumer Credit Report. I believe LexisNexis may be deliberately creating unnecessary friction to avoid providing the requested information. 

I request the CFPB to take the following actions : Require LexisNexis to provide me with a copy of my Consumer Credit Report, including all information they have on file about me.

Investigate whether LexisNexis is intentionally refusing to provide consumer reports by using reasons such as " unable to authenticate identity '' without offering detailed steps to resolve the issue, thereby creating a dead loop for consumers. 

Below is my personal information for your reference : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, WA XXXX Consumer Number : XXXX Case Number : XXXX I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres an account on my credit file that I have no knowledge of thats causing my credit worthiness to have Negative history
Product: Mortgage

Carrington Mortgage Ser vices LLC Loan No.  #  XXXX   Phone No . #  XXXX  Ext :  XXXX  Fax :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX   XXXX   XXXX  was my first and only lender until   XXXX   XXXX   XXXX   XXXX  bought  XXXX   XXXX   XXXX  on about  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   Loan No.  #  XXXX  Sold my loan to Carrington Mortgage Servic es LLC Loan No.  #  XXXX  I received the Carrington Mortgage Service s LLC inform ation on Friday  XXXX  when I called   XXXX   XXXX   XXXX   XXXX  to check on my Short Sale status which was currently in effect and past approved by both   XXXX   XXXX    XXXX  and my second,  XXXX ..       XXXX   XXXX    XXXX  sold my loan while the Short Sale was approved, complete with a buyer.     Now that Carrington Mortgage Servi ces LLC bought my l oan and in my opinion cant produce the following documents because in my opinion,   XXXX   XXXX    XXXX  never had them and also refused to produce them for me, therefore Carrington Mortgage Services  LLC  in my opinion doesnt have them and wont be able to produce them as well.     Would you please ask to Carrington Mortgage Service s LLC to   produce the following item s : 1.  The  XXXX   XXXX   XXXX  to   XXXX   XXXX    XXXX  Assignment of the note in Deed of Trust.      2. Th e Chain of Title from  XXXX   XXXX   XXXX   to    XXXX   XXXX    XXXX  to Carrington Mortgage Services LLC.      3. Copy of the Recording of De ed of Trust in  XXXX   XXXX .      4. Copy of the Merger with a list of the assists and UC1  filing.      5. Also,  if any of these documents show up, Im requesting a  Federal Officer examin e the ink on the date to determine if its appropriate for that month and year.      6. What amount of money did Carrington Mortgage Services LLC  pay   XXXX   XXXX    XXXX  for my loan?     Thank you for your attention to this matter.      XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has had my account locked out for a week.equifax has consistently had trouble on the web site?
Product: Credit card

I am disputing the collection account with DISCOVERBANK, account number XXXX, dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that DISCOVERBANK provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Mortgage

UMB Bank sent us an offer by mail of a {$75.00} gift card if we took a draw of at least {$7500.00} against our UltraEquity Line of Credit ( HELOC ) loan. After we did this within the terms of the offer, it has refused to honor the offer of the {$75.00} gift card. Each time that I have called about this matter, I receive a different excuse and no follow up. For example, when I called XX/XX/XXXX, I was told that it would be sent out XX/XX/XXXX. On XX/XX/XXXX, I was told that I received incorrect information and that I would be called back that day as to when I would receive it. However, there was no call back.