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

Lexis Nexis consumer center XXXX XXXX XXXX XXXX GA. XXXX Violating decisions requested by CFPB. After investigating XXXX removed records from my credit report however accepted reporting of those exact records from this Lexis Nexis company. It have NEVER been known to have posted reports furnished and provided from other companies. This Lexis Nexis has absolutely no legal rights to post ANYTHING on ANY of my three consumer reports at any agency. XXXX, XXXX nor XXXX XXXX. This company is violating my rights to fair reporting. If it has been determined for legitimate legal reasons to remove any information due to fraud, thief or any other unlawful unfair reason, no company has the right to disregard that reason. Under no circumstances. This Lexis Nexis company is absolutely not to be trusted by aggressively reporting information when it hasnt been requested and therefore I demand Lexis Nexis immediately remove and permanently delete the information they are furnishing and supplying to others. Lexis Nexis consumer center has illegally furnished this information for reasons other than obtaining credit. You have used the information for malicious reasons and will be presented to the courts along with all the other incriminating evidence and will be held liable for damages. 

Accessed my credit report without my permission! I did NOT request nor give permission for this company to access my report!
Product: Credit card

I have been receiving telephone calls from it seems Citi-Bank on my number at XXXX. The number calling me is XXXX. It is for a Sear Credit card. I do t have a Sear credit card. I have spoke with someone from Citi several times and today they have called me 5 times. I want and need for this to stop. They wo n't give me information but want my name and SS #. I do n't think so. If these people continue to call and harass me again I 'm suing. 

Thanks XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit report as provided by your agency. I have reviewed my credit report and found inaccuracies that need to be corrected under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681.

The item ( s ) I am disputing are as follows : 1. XXXX XXXX XXXX 2.National Credit System According to 15 USC 1681i ( a ), you are required to investigate my dispute and correct any inaccuracies within 30 days of receiving this letter. 

Please reinvestigate and correct the disputed information at the earliest, and provide me with a written confirmation of the outcome. Additionally, please send an updated copy of my credit report once the inaccuracies have been corrected. 

Thank you for your prompt attention to this matter. 

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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion, regarding their failure to accurately update my credit report. On XX/XX/year>2024, I submitted a dispute to the credit bureaus, requesting the correction of balances on my Department of Education loans serviced by XXXX which was transferred/ sold to XXXX XXXX I received confirmation from both XXXX and XXXX that the accounts are paid in full and provided supporting documentation during the dispute process. However, on [ XX/XX/year>2024 ], the credit reporting agency XXXX responded, claiming the information was updated AND verified as accurate Yet, upon reviewing my credit report, the balances remain unchanged and are still reflecting the original amounts as if unpaid. This inaccurate reporting is not only misleading but also detrimental to my credit standing. I believe this failure to properly investigate and update my information violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of consumer reports and promptly correct errors after disputes and opens TRANSUNION up to a Consumer Lawsuit in the process for inaccurate reporting. I am requesting the Consumer Financial Protection Bureau in assisting to ensure XXXX fulfills its obligations by : XXXX. Promptly correcting the balances on my accounts to reflect a XXXX balance. XXXX. Conducting a thorough investigation into this matter to ensure compliance with federal regulations. I have attached the following supporting documentation for your review : Confirmation from XXXX of the loan being paid in full. Copies of correspondence and the response from the credit reporting agencXXXX. Thank you for your attention to this matter. I trust you will assist in resolving this issue promptly. Sincerely, XXXX XXXX XXXX
Product: Debt collection

THIS DEBT WAS INCLUDED IN A CHAPTER XXXX AND CAPITAL ONE CONTINUES TO SEND ME EMAILS TO COLLECT AGAINST THIS DEBT. CAPITAL ONE WAS NOTIFIED AS A CREDITOR AND THEY CONTINUE TO SHOW THE ACCOUNT AS OPEN AND PAST DUE ON MY CREDIT REPORT.
Product: Credit card or prepaid card

I have a XXXX charge card through Capital One or did have as I have now closed the accounts and all my accounts with Capital One. I had bought 2 large ticket purchases that are interest free for 12 months! Capital One has now on 2 or more times during the promotional period they have made it necessary for me to waste my time to call them to correct the problem. 

They can not get it straight that 12 months interest free means 12 months intrest free! 

I have reached out to XXXX about the issues and also told XXXX that I will no longer do business with XXXX. 

Capital One needs for the government to look into all of Capital One now! But I am sure they will not!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have written several certified letters to this XXXX XXXX XXXX. I have certified receipts that they have received my letters, stating for them to send me information concerning this bad debt on my Experian credit report. I have heard nothing! Experian has been disputed 3 times!! and they still keep this false fraudulent information on my credit report. How are they verifying this account? Not by actual doing a investigation, because if Experian did a actual investigation they would see that this is NOT my account! and i want it off now! I am about to take legal action against Experian and this XXXX XXXX  for reporting this nonsense that is fraudulent on my account. I know for a TRUE FACT that this is NOT mine! Below you can see that this is NOT a real company and there is no relevant information on this so called reporting company. I do also know that they haven't sent me anything to validate this account on what XXXX, XXXX or XXXX 's account this is! I do know that It's not XXXX XXXX account ( mine ) and these fraudulent people are not supposed to be reporting this nonsense while in dispute!
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Services- Located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ran my credit on XX/XX/21 without my permission. I have not inquired or requested any services from them on XX/XX/21. Any business that I has with them has been completed and closed for some years and it does not give them the right to unlawfully run my credit whenever they choose to,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Trans Union I have contacted the credit bureaus several times to make them aware that the one late payment posted on my credit reports is incorrect. Ive contacted the merchant of the credit card company ( XXXX XXXX ) who agreed that it shouldve not been reported as a late payment by bureaus and I asked it to be removed effective immediately as its incorrect and untrue false reporting by breaus.
Product: Debt collection

I visited XXXX XXXX emergency room in XXXX XXXX, Oh. During registration the wrong insurance id number was documented. They were supposed to use my XXXX number. I contacted my insurer and was told I was covered and should not have been billed. I gave the correct information to XXXX XXXX billing department about six months ago and they still have the debt reporting to a credit agency First Fed Credit Control and on my file. I would like this payment deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate things on my credit report. it has now been 30 days and my requests have not followed up with. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 30 days so they should be removed promptly. I demand these accounts be deleted immediately or I will file for litigation do the stress you called me. I was also effected by the Equifax data breach and my information may have fell into the wrong hands.
Product: Mortgage

I am in the process of applying for a loan from HSBC. The loan consultant was not familiar with FICO scores and the various scores or methodologies of FICO. She stated that you need a XXXX FICO to qualify for the best rate but she could n't tell me whether they were using a FICOXXXX, FICOXXXX or FICO Mortgage XXXX score. I had to ask multiple times and had to send her a link from a google search as she continued to say that they just take the middle of the XXXX FICO scores. Her sales manager provided this response. 

HSBC utilizes a mortgage origination system to order credit from all XXXX credit bureaus via a vendor. 
Our loan officers have no control in credit scoring and we are not educated about " different methodologies or versions ''. 

I apologize for not able to answer your credit scoring question. 
Please feel free to contact Office of the President at XXXX extension XXXX should you wish to escalate your inquiry. 


Unfortunately this was after HSBC had already run my credit. They gave me my XXXX scores but could n't tell me which scores they were. I am surprised that mortgage consultants at HSBC do not know this information and have not been trained to better answer these questions before pulling someone 's credit. It does n't mean anything to say that a customer can receive the best rates if they have a FICO of XXXX yet they ca n't tell you what FICO version that is.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # 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 reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX I have been disputing information on my credit report for the last few days, XXXX, XXXX XXXX, XXXX is out of business, XXXX is out of business, I've paid all XXXX accounts off on time there was no chargeoffs, account is wrong, The credit bureaus have the wrong addresses, wrong names, Experian has XXXX social security numbers, All three bureaus have wrong names and addresses, and jobs I'm retired The credit bureaus needs to do better.. I would like for the XXXX accounts to be deleted off of my credit report. XXXX sent my account to lender who is the lender
Product: Checking or savings account

Hello I hope to please leave this message in order to get someone ... anyones attention so i beg you please dont turn a blind eye to this ... ..I have a son and im going through a pretty hard time right now this isn't in any way trying to make you feel sorry for me I just don't know who else to turn too... I attached a document below that shows a " bank mobile XXXX XXXX  ) bank account printout with also my debit card right beside it.youll see also on that bank statement other XXXX cash '' advances from days before the date in question which was XXXX XXXX. On XX/XX/XXXX and XXXX that same week I did two other instant deposits through XXXX XXXX  onto my bank mobile card. Onc yet e the funds go into my bank mobile account I went over to my usual bank which is XXXX  why you ask wouldn't I just use my XXXX debit card ... .. Because on XX/XX/XXXX XXXX had caught some illegal activity and shut my current debit card down and I rarely use bank mobile for my banking options but it worked just fine two times before that in that same week you can see on the statement ... ... now.. if you haven't lost interest yet im very sorry... .when I instantly transferred the funds to my bank mobile account I expected it to work like twice before that but for some reason I had XXXX dollars deposited I chose to withdraw XXXX dollars and it was declined ... .. this was last Thursday, I spent most of that day on the phone with bank mobile XXXX driving back too XXXX two more times all the while completely broke without a dollar to my name begging bank mobile to do something about this, they kept telling me to go back ton XXXX so I did twice!!!! by this point im starving haven't eaten since the day before and just completely enraged and I can't even talk to the customer service properly because they barely speak English. So XXXX when I go back their can't even really do anything for me since I used a card that wasn't from their bank which I understand but bank mobile tried to put it on them repeatedly they acted like since the XXXX bank wouldn't release the funds its just lost out in outer space bank XXXX land so they told me too wait 5 days to see if it would show up in my XXXX account ..... I was so upset I said that's not going to happen, XXXX told me that's not going to happen and now it's been 7 days and imm still just as broke as I was last Thursday. aND WHEN I CALLED THEM TODAY THEY SAID I CAN NOW FILE A CLAIM WITH THEM BUT IT WILL TAKE TEN MORE DAYS TOI GET AN ANSWER MEANWHILE WE CAN BARELY UNDERASTANDS ONE ANOTHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

WFDS XXXX Inaccurate, must remove ( never had this acct. ) XXXX XXXX XXXX XXXXXXXX. Inaccurate, must remove ( never had this acct. ) XXXX  XXXX XXXX Inaccurate, must remove ( never had this acct. ) XXXX XXXXXXXX XXXX Inaccurate, must remove ( never had this acct. ) XXXX ( XXXX ) XXXX XXXX. Inaccurate, must remove ( never had this acct. ) XXXX Inaccurate, must remove ( never had this acct. XXXX XXXX Inaccurate, must remove both acct. ( never had this acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Harley Davidson Financial ran my credit report on the XXXX of XX/XX/2022 without my signature or consent. I was alerted through XXXX and XXXX that they did a hard pull on my credit. I did not authorize or consent to this credit pull.
Product: Checking or savings account

I have a claim for {$7500.00} ending in XXXX that I provided an approved police report also copy of my California Identification Card for unauthorized transactions my claim is denied because of an employee named, XXXX XXXX he says, " From the State of Texas XXXX he told me, " Don't buy food '' after stating my claim was denied. Please help me recover my funds he said I have a XXXX balance and I am being mailed a check for a balance infact of XXXX cents so it proves that they are making mistakes in resolving my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account # 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 reporting agency can not furnish a account without my written instructions. 

The following Accounts : Loan Account Holder : XXXXXXXX XXXX XXXXXXXX XXXX XXXX account number : XXXX Payment amount : {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I entered into a conventional 30 year mortgage with XXXX XXXX. This loan was subsequently repackaged and sold. The loan was underwritten WITHOUT an escrow account as property tax payments directly to XXXX XXXX. When reviewing my credit reports for the month of XXXX it came to my attention that the loan was incorrectly being reported as being 30 days past due in the amount of approximately {$1300.00} and resulted in a SIGNIFICANT decline in my credit score of nearly XXXX points from approximately XXXX to approximately XXXX. I have made multiple attempts to contact the lender. What I was able to decipher from the online portal is that an escrow account was improperly established on the account in XX/XX/XXXX, without my knowledge. This is particularly concerning as a prior victim identity theft and further puts me in a position of overpaying XXXX XXXX for annual property taxes.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> 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 of 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

In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX  account # XXXX and XXXX  account # 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item was to be removed per an error in credit reporting. We submitted a complaint a couple months back that was not resolved satisfactorily. There was never any documentation proving that this item was added in line with FCRA regulations.
Product: Credit card or prepaid card

The company is Comenity Bank. I have a credit card with them through XXXX originally. The card was changed from a department store/furniture card to a regular credit card about XXXX years ago. The issue that I continue to have is being able to simply log onto their website and make my monthly payment. My password and login are always rejected by their system almost every month and I have to end up getting a new password. I have done this several time and each time the password ends up needing to be reset. Most of the time I end of moving on to another task and forgetting to make the payment which makes the payment late. The last time this happened ( which was around XXXX or XXXX months ago ) I called to see if they would refund me my late fee and they refused stating that they have other payment options. When you have other things to do and you sit down to pay bills which I do every month, I do so all at XXXX time. Like most of us we are at computers most of the day so paying online is most convenient. So having to remember to call this XXXX credit card company ( I do not do this with any other bills ) is the reason why I keep paying late. They even acknowledged that their company has consistent issues with people being able to log into their account online but offered me no solution for THEIR issue with THEIR website. This has been a problem the entire time that I have had this credit card. I would just like the problem resolved and my late fees refunded.
Product: Credit reporting or other personal consumer reports

I keep trying to get Experian to remove the regional finance account from my credit report. I reported XXXX XXXX to my local state attorney general 's office to have them delete the account and I filed a complaint to Experian to have them remove it from my credit file. Everytime I call Experian, they have me waiting on the phone for hours and this has been going on since the beginning of this month. I have submitted all of the necessary documents for them to remove the regional finance account but they refuse to remove it.
Product: Credit reporting or other personal consumer reports

Home Depot uses Citi for their store credit account. The bank/Citi sent me a special deal on which I could charge up to {$6000.00} and if I repaid the account in full on 12 mos or less, I would pay no interest. I accepted the deal and bought flooring for my house. I repaid the loan in less than 12 months. In the first part of 2024, I received a mailing from Home Depot/Citibank threatening me that if I did not charge something using the credit card they would lower my credit amount from {$6000.00} XXXX {$2500.00}, I call Citibank and told them I did not need anything and lowering the credit limit would hurt my credit. They said you either use the card or they would lower the amount. I told them to cancel the account. Citibank lowered my credit by XXXX points for the lower amount and another XXXX points for cancelling account. In XXXX I received XXXX new cards from Citibank with the same account. Called them, nothing they could do but call credit bureau and charge my credit another XXXX points. Home Depot stated they were not aware Citi Bank was doing that. I asked them to call XXXX XXXX but did not do that. How many thousands of others were blackmailed by Citi bank. As a XXXX XXXX of XXXX and XXXX  XXXX XXXX XXXX XXXX FDIC, why would a bank blackmail and hurt someones credit for nothing?
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX