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

XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

CAP ONE - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

CAP ONE - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX - This is paid as agreed and should not be reporting negatively on my report. 


Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The personal data reporting is inaccurate. 

XXXX XXXX - XXXX - The term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXXXXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX credit card is reporting me as a authorized user for account number XXXX I did not give permission to be added to this account and do not wish to be a user of this account.
Product: Credit reporting

I had a small tax liability with the State of XXXX from XX/XX/XXXX for {$510.00}. I had moved to XXXX XX/XX/XXXX so did not receive any notification of this liability. The State subsequently filed a lien that was picked up by all 3 credit reporting agencies. I did not realize it existed until I purchased a car in XX/XX/XXXX. I immediately paid the debt that had grown to {$810.00} with penalties and fees. I contacted the State of XXXX and they agreed to cancel the lien from record because there was no real notification that the debt was ever owed. I sent this documentation to all three credit reporting agencies. XXXX and XXXX did an investigation and removed the lien from my file immediatly. Equifax , however refuses to remove the item. I have requested 3 times by certified mail the name and contact information from a person at the XXXX Department of Revenue that is stating this record still exists, but have received no response. I can only conclude they have done no investigation. I have contacted XXXX Department of Revenue to follow up and they tell me they can do nothing from their end if Equifax is still reporting it. 
I am XXXX years old and this is the ONLY derogatory item on my credit record. My State and Federal taxes are paid in full. I am in the mortgage industry as a profession and have to be licensed in every state I conduct business. There are states that will not give me a license because of this derogatory item. This affects my ability to earn more income and pay more taxes. Nobody wins in this situation and it baffles me that Equifax is so reluctant to report this accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed below were not authorized by me. I have attached FTC report for these inquiries that are on my credit file fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax 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 1681c. ( 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. 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: Debt collection

On XX/XX/2018 I called the debt collector and inquired about information on all 3 credit reports. I asked about the amount on my report and informed the lady XXXX XXXX that i had insurance at the time of service. The original service place was XXXX XXXX XXXX hospital informed me at the time of service that everything with my insurance had been verified and I was only responsible for my co-pay which was only {$25.00}. I payed that amount each time I was seen. I called XXXX  companies and asked about the price and could she send me proof and also if I was responsible could they offer a settlement amount and pay for delete. In the conversation the lady XXXX informed me that I owed a total of {$760.00} that was incorrect!! From what I seen on my report it showed {$560.00}. This is false information.
Product: Credit reporting, credit repair services, 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 unde

r 15 USC 1681. The letters are stated with items and issues. 

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 1681c. ( 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. 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 card or prepaid card

On or about  XXXX   2017- I wa s purchasing  XXXX  airticket at  XXXX   XXXX  While I was doing that - there is screen while booking the ticket that is very confusing and deceptive ( violating UDAAP ). That verbiage suggested that If I will apply for this delta skymiles card from american express today - I will be getting {$100.00} statement credit. Later when I checked my statements and also reached out to amex Customer service - it came out to be totally different situation. I come to know that one has to use this new delta skymiles card from amex to make delta eligible purchases to get {$100.00} statement credit - it 's very very misleading and confusing. How come somebody can use the card when they do n't have it in front of them??? Moreover  XXXX   XXXX  venture card - reveals the physical card details after applying for that via the capital  XXXX  mobile wallet app. I had  XXXX  Credit Card from  XXXX   XXXX  - that gives you the details of the credit card immediately after approval.   Amex or  XXXX  - did nothing like that. If they ca n't have the mobile wallet kind of app - at least they can use the usersession to record that transaction as if it is made using the newly approved card. Or they can provide a https page with all the details and have extended securing mechanism ( like secret question or multi factor authentication to validate the customer ).   It 's clear violation of UDAAP. Why one will apply for the credit card ( and  XXXX   XXXX  the  credit score )  when they cant ' avail the benefits at that moment or get the reward? This is deceptive, misleading and false advertising by amex. Why Amex think that somebody will pay {$95.00} annual fees for a card which has so much misleading, deceptive and false wordings and that 's how it seems Amex is making money. It seems Amex somehow wants to open the credit card accout via false advertizing and with annual fees. This way they can capture bigger market share with providing any value to the user. Amex is tricking people to open the credit card which has annual fees also to make money out of them. This should be stopped. No other credit card issuers are involved in this kind of UDAAP violation.
Product: Checking or savings account

On XX/XX/2022, I opened an account with Bank of America. There was a {$300.00} bonus advertised. I made sure too meet all the requirements to qualify for this offer. Bank of America only deposited {$220.00}. I proceeded to make several inquiries over the phone. I had a difficult time getting help on the phone with someone who cold help me in regard my inquiry. Several Bank of America representatives were attempting to get me to conform with accepting that I had received a {$220.00} bonus with no explanation as to why the varying amounts. Several others transferred from one place to the other. 

The first time I made a successful inquiry was on XX/XX/2022, close to a month of attempting to get help. The second time I made an inquiry was on XX/XX/2022, and I was told that there was a case and I would receive notification either via secure message or through the mail. There was no notification. On XX/XX/2022 I made another inquiry via Online Banking, and I was told no notification was sent, and no error resolution happened. I was told the reason why the amount varied was due to " taxes, '' and the conversation was abruptly cut. 

This does not comply with Reg E error resolution timeframes, which state that the Financial institution must investigate within 10 banking days, and if the Financial institution is not able to resolve the error, that provisional credit is to be granted to the consumer while the time for the Financial Institution to investigate the case gets extended to 45 calendar days from the date of the inquiry. 

Not only Bank of America is in non-compliance with Reg E, but they have also violated the UDAAP, as what they advertised is Deceptive, their practices to get in contact with them are Abusive.
Product: Credit reporting

I have contacted Lexis Nexis previously regarding information being reported on my CLUE report. Lexis Nexis has failed to take any action. Lexis Nexis reports that I was the driver of an accident that occurred XX/XX/2015. I was not driving the vehicle nor was I present when this accident occurred. Additionally, I have submitted documentation showing the driver of the accident was XXXX yet Lexis Nexis fails to remove the erroneous information from my report. 

Insurance companies are using the information reported by Lexis Nexis to rate my policies which is causing me a loss as my premiums are higher due to this inaccurate information.
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized, and I am a victim of Identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, 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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXXXXXX XXXX XXXXXXXX : # XXXX, Account name : XXXX XXXX XXXX. # XXXX Account name : XXXX XXXX. # XXXX, Account name : XXXX XXXX # XXXX 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 suppose to modify accounts that isn't reporting correctly.

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 1681c. ( 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. 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: Mortgage

I was a little behind on my mortgage so I went to pay a month online but the system didnt work. It confirmed that I paid but never withdrew. I called PHH mortgage and they said it was a problem with the bank so I called my bank and they never got the request. At this point I was quite behind, but had the amount to get myself up to date. I called and through discussing with them discovered they had my wrong bank so we paid again for the amount of {$3000.00}. It was removed from my account so I assumed it was all set. I then received a foreclosure letter from them along with an attorney letter. I was surprised since as far as I knew I was current on my mortgage. I called them and they said they never received the money. I had my bank conference call to them to inform them it was indeed removed from my account on XX/XX/XXXX. They said they can not locate the money and to call back Monday to see if they had located the money but that they could not end the foreclosure process until those funds were located. I am concerned that This is negatively impacting my credit along with any fees that may come from the foreclosure process. I am also terrified I will lose my home when I have not done anything wrong.
Product: Credit reporting or other personal consumer reports

In XXXX and XXXX of XXXX, I mailed, submitted letters/documents via my Nelnet account web portal, and filed two XXXX disputes XXXX 

On XX/XX/XXXX and XXXX of XXXX, my Nelnet accounts was subjected to fall off with all 3 credit reporting agencies. However, the accounts remained on my XXXX report. The accounts were paid in full and closed on XX/XX/XXXX for {$4.00} and XX/XX/XXXX for {$16000.00}. 

I submitted two disputes with XXXX requesting the removal of both accounts and for the creditor to correctly report the accurate account number. On both occasions, the final investigation report stated the creditor Nelnet claimed to be reporting correctly, but modified the " date of last reported update '' that reflects the dates I filed my dispute. 
In XXXX and XXXX of XXXX, I mailed Nelnet several letters which they failed to respond to. 
I submitted letters and documents to Nelnet via my accounts web portal requesting the deletion of my credit accounts with the credit agency. They responding by stating no action will be taken and no changes will be made. 
After numerous attempts, Nelnet fails to resolve the matter by removing the aged accounts from the credit agency XXXX. While Nelnet continues to update the XXXX " date of last reported update '' for both closed paid in full accounts with XXXX reporting agency after ever dispute. Preventing the accounts from ever falling out my credit report. XXXX currently reports my new fall out date to be XXXX of XXXX for loans that was paid in full and closed in XXXX.
Product: Student loan

My student loans are being repaid based on income and my payments are {$0.00}. It has been this way for the last three months, however my credit score dropped close to 100 points stating that a payment was missed which is inaccurate. I contacted Fed loans and they sent me a link to file a complaint here to have it corrected. I am currently homeless in a shelter and in order to get housing they look at my credit score. I need this corrected as its not only me depending on my housing application being approved I have XXXX children under the age of XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX FRAUD Account # XXXX XXXX XXXX XXXX I In accordance with the fair credit reporting act this accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish 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 This is the 3rd time I have acknowledged them about these accounts on my credit file this documents is use for evidence of XXXX XXXX not complying with the consumer law if not remove immediately I will be filling for damages with the law
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF TRANSUNIONS INQUIRY ISSUE AND THEIR CUSTUMER SERVICE DID NOT RESOLVE THE PROBLEM.
Product: Credit reporting, credit repair services, 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 Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX 

XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX XXXX XXXX. 

XXXX XXXX / XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. 
XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX IN CO. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is 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 1681c. ( 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. 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: Debt collection

A letter was sent from Transworld Systems , Inc. to me dated XX/XX/2021. This was an attempt to collect a debt ( Creditor : XXXX XXXX XXXX XXXX ; Balance Due : {$51.00} ). 

Next, I sent a letter to Transworld Systems , Inc. dated XX/XX/2021 in request of additional information pertaining to this attempt to collect a debt. 

Next, a letter was sent from Transworld Systems , Inc. to me dated XX/XX/2021. This provided additional information on the materials obtained from the creditor. This included a XXXX XXXX XXXX invoice with three charges totaling {$45.00}. I never received any information from XXXX about any part of this invoice prior to this point. 

The first charge is for a package supposedly sent by me with a charge of {$10.00}. Again, this is the first time I received any information regarding this order. 

The second charge is for a package whose sender and recipient are not related to me in any way. The fact that neither of these names and neither of their associated addresses are related to me in any way clearly shows that the attempt to hold me responsible for the associated charge of {$18.00} is an act of fraud. 

The third charge is for a package whose sender and recipient are not related to me in any way. The fact that neither of these names and neither of their associated addresses are related to me in any way clearly shows that the attempt to hold me responsible for the associated charge of {$16.00} is an act of fraud. 

On XX/XX/2021, a phone call was made to XXXX at XXXX at XXXX XXXX to inquire about the charges pertaining to this invoice. The first representative to answer the call filed a fraud report. Then, the call was forwarded to XXXX ( no last name provided ) in XXXX XXXX. XXXX stated that even though I was the shipper of the first charge, the invoice was an error and I was not responsible for any of the charges of the invoice. XXXX also said that Transworld Systems , Inc. would stop attempting to collect debt from me. 

It should be noted that I have always fully paid the cost and any associated fees of any shipment at the counter for any shipment by XXXX and any other shipping companies. This is fully consistent with what XXXX reported. 

XXXX also stated that this issue has occurred to other individuals. This suggests that it is possible that Transworld Systems , Inc. has collected money from other individuals that was not owed.
Product: Credit reporting

My bank pulled my credit report from Factual Data XXXX, CO., found that XXXX accounts that had been undated by XXXX on the XXXX credit report, had not been updated by Factual Data therefore causing a lower credit than what XXXX or XXXX has.
Product: Debt collection

You continue to list this unliquidated, subject of ongoing lawsuit, where there a cross claims counter claims sisputed amounts, negligence. Hence the debt is not due yet you continie to allow it to impact my credit and my life. You dont care. This is tpur last chance to fix. My complaint is with Experian