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

LexinNexis- is reporting a Bankruptcy on my credit report and they have put in the Data furnisher as being the U.S. BANKRUPTCY COURT XXXX XXXX OF GEORGIA . Which is false. 
I have attached a letter from the U.S. BANKRUPTCY COURT XXXX XXXX OF GEORGIA. Verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify or validate any information concerning bankruptcies. 
XXXX, XXXX, and XXXX are falsely stating this information on my credit report and have yet to remove it from my credit report. 

I contacted the court, and their response is enclosed. 
It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. 
Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediate I contacted the court, and their response is enclosed. 
It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. 
Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediate. 
I would like for you to have them take this unvalidateable information off of my credit report.
Product: Debt collection

Despite multiple CFPB complaints citing REAL laws, cease and desist orders, and identity theft reports, This company continues to email me and send me mail for a debt that is NOT MINE. 

I have proven per previous complains that the debt is not mine and that they are in violation of my rights as a consumer. 

The accounts are to be removed immediately and i want restitution for the damaged caused to my credit, being in non-compliance, and for the mental and financial stress this has put on myself and my family. 

My home currently has no heat and i have XXXX kids to take care of because i am unable to access credit that is rightfully mine thanks to the inaccurate reporting and NON-COMPLIANCE of this company. 

Negligence of the law is no excuse for your actions. 

Find the previous CFPB complaints. I'm not doing any more of your work for you.
Product: Credit card

I 've recently encountered fraud on my Citi Costco Visa card, and Citi 's representatives have given me mixed and false information about my rights as a consumer. According to Citi 's agents and a manager of the credit card company 's Early Fraud Detection department, I must pay for the amounts that were fraudulently charged to my account while the company investigates the matter. This contradicts every other bank 's practice and even Citi 's own zero liability claims for this card. It 's a deceptive practice and clearly takes advantage of the card member. Citi 's manager over the phone even threatened that if I do n't make the payments related to the fraud charges, the company will take me to collections, even while they 're investigating said charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit card or prepaid card

XXXX XXXX XXXX ( Wells Fargo ) Wells Fargo 's system is antiquated and very difficult to understand compared to XXXX, XXXX, XXXX XXXX, XXXX, XXXX, etc. Every credit card I have uses the term " Autopay '' to set up automatic payments for my credit card. Wells Fargo has a button called " Frequency '', and I incorrectly assumed that was the autopay feature. I set that up and thought that the minimum payment on my credit card would be made each month. I only learned that wasn't the case when my credit score dropped XXXX POINTS because of my first late payment. I spent a week trying to get connected to someone within the credit reporting department to help me with this issue. They have passed me around from department to department with no real solution on how to resolve this. I am upset because I was not given any notice or opportunity to rectify the situation. 

The other issue is that you have to go into a hidden settings area to turn on any alerts. I have never had to do this with any other credit card I have. The " Payment Due '' and " Payment Not Received '' notifications were off, along with all other useful notifications. I only learned this after 4 customer service calls.
Product: Credit card

So I already have another current complaint about revvi card but this complaint is first access card who uses the same system that they do I call in to make my payment XX/XX/2024 and it doesn't accept my card I do this several times I wait and try several more times the next day on the XXXX when my payment due so I end up having to call them same card they have on file there they want to charge me another {$10.00} just to take the payment I finally get them to waive the {$10.00} and they say it's a first time courtesy XXXX XXXX but then they say I'll have a late fee because it's after XXXX I've been trying to pay my bill for XXXX days straight and your system isn't working or accepting my payment but yet somehow they have the same card on file automatically charge the payment but the phone system won't take the payment that they say is free getting close to taking legal action this has happened before I asked them to fix it they tell me they can't then I asked well who can they don't know so who am I paying and why am I paying you extra then what I agreed to pay you the predatory XXXX XXXX interest is already bad you're already making a killing off of me and then you want late fees and {$10.00} phone payments that's XXXX I've always been on time with my payments I've always made my payments so what's the problem I have the suspicion that this company possibly revvi card as well as first access card too are purposely corrupting the phones so he doesn't take your payment so they can either charge you the {$10.00} or charge you a late fee it should not be my fault that your system isn't working and this is how I agreed to pay you the company should be held accountable
Product: Credit reporting or other personal consumer reports

I am filing an urgent complaint against XXXX XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The inaccurate and unverified account reported by XXXX XXXX has significantly damaged my credit score and financial standing. This has led to considerable hardship, including challenges in obtaining credit, increased interest rates, and substantial stress. The actions of XXXX XXXXXXXX have caused undue harm to my financial reputation and stability. Account : XXXX XXXX XXXX Balance Owed : {$1100.00}
Product: Debt collection

A year ago I had fraudulent activity on my paypal account. I called paypal and they cleared the fraud and said they would freeze my account to stop it from happening again. They did not freeze my account. More fraud took place on my account and I am now receiving letters saying I need to pay the outstanding balance or they will take legal action. After emailing and phoning PayPal a dozen times they had either not replied or hung up on me. I am worried that debt collectors or legal action will take place for a transaction that has nothing to do with me. I am making this complaint after trying to get the matter resolved with Paypal numerous times to no prevail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

After my divorce my credit is bad. I bought a truck with XXXX down. Total was XXXX bought on XX/XX/2017. My first payment was due on XX/XX/2017. I called Saturday XX/XX/2017 to pay off the truck. My statement shows XXXX they were closed my husband called today XX/XX/2017 and payoff is XXXX he talked to a couple different people. We just want to pay off the truck with the amount on our bill
Product: Checking or savings account

On XX/XX/2021. My debit card through Square had its information stolen. My card was then used to make five very high dollar amount purchases at two retail stores, XXXX and XXXXXXXX XXXX XXXX XXXXXXXX. The amounts were ; {$710.00} - XXXX XXXX XXXX {$100.00} - XXXX XXXX XXXX XXXX  {$690.00} - XXXX XXXX XXXX  {$420.00} - XXXX XXXX XXXX XXXX {$670.00} - XXXX XXXX XXXX For the past year, I have consistently reached out to square every few weeks for hopes of them to resolve the issue. I have never received any resolution to the problem. I have spoken to over 20+ employees in regards to the funds missing. I have done everything they have ever asked of me ( including allowing them to freeze my account around 2 months ago for 10 days to, investigate my account ). Every employee just states, sorry this happened to you. Ill reach back out. I have never had anyone reach back out to myself. I have never received an email from them in regards to how this manner will be solved. In any professional opinion, they have not tried to solve this problem. 

Up to this point I have; -Cancelled the card immediately after the information was stolen and the funds were taken ( per their recommendation ) -Called every business ( XXXX XXXX XXXXXXXX, Square and XXXXXXXX XXXX XXXX XXXXXXXX ) to figure out how these orders were able to go through. 
-Called each business ( XXXX XXXX  XXXX, Square and XXXXXXXX XXXX XXXX XXXXXXXX ) to ensure once my card was cancelled, that the orders would not go through. 
-Called every 2-3 weeks to receive updates on my disputes.

-Frozen my account so they could investigate. 
-Emailed the company multiple times for a resolution. 
-Posted on the Companies XXXX XXXX to see if I could get some sort of response from them. 

This has caused me such great distress and anxiety Ive had to receive medical help. This is a great amount of funds for a small business to be missing and for no one to do anything about it.
Product: Credit reporting 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 correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im getting XXXX  from XXXX XXXX XXXX for a debt i am not aware of, i never received anything about the suit only the XXXX  from the courts that i owe XXXX money and a money judgement was filed, this is in violation of 809 ( a ) -1-2 i lost my right to request validation, and to look into whomever the debt was from.
Product: Credit reporting or other personal consumer reports

XXXX credit card ending in XXXX i had great credit-never late. I moved in XX/XX/year> and i contacted each credit card company. i received an email on XX/XX/year> from XXXX, no.reply.alerts.com saying i had a balance of {$180.00} which i had no idea of. i called then and they said i was XXXX days late, i said i moved and told you guys. 
They said we have no record of you moving but we do see on your account returned mail i paid the balance right there on the phone and filed a dispute on Experian which was denied i cant be responsible if these idiots didnt take my information correctly and send mail or have it forwarded to my new address. Also no email till XXXX -i dont get it- therefore i request the negative info on my credit report be removed thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to section609 of the Fair Credit Reporting Act ALL information this is reported to credit reporting agencies should bee 100 % ACCURATE. 
An incomplete account number was reported. 
There are missing fields of data from XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX of the balance, scheduled payments, past due and remarks. 
Inaccurate date account was closed, the summary on credit report states XX/XX/XXXX and the remarks on the same credit report states XXXX XX/XX/XXXX. 
Late payments fees applied to the account after the account was closed. 

I sent my first letter to XXXX/WALMART disputing the inaccurate information stated above on XX/XX/XXXX via certified mail, WALMART signed that they received letter on XX/XX/XXXX. They violated federal and state laws by NOT responding in a timely manner ( 31 days ), not providing viable evidence bearing my signature.
Product: Credit card

To whom it might concern Bank of America have open an account and someone spent it and I need them to erase the charge and send me a new card with new number or close it. I been paying for a charge that is not mine and need them to fix that or I will have to take it to court. I would apriciate if Bank of America takes that charge of XXXX and the credit card is only for XXXX and it was opened XXXX XXXX .. that account I did not spent XXXX that the bank is putting there so please erase the charge that was in another state and God knows who did it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S.C. 1692c ( 1 ) ( 2 ) ( 3 ), the listed debt collectors shall cease all communication and remove all fraudulent accounts from my consumer report. The listed debt collectors have 4 days after receiving this notice to remove all fraudulent accounts from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Product: Mortgage

Fifth and third bank bought our mortgage for our original lender before covid happened. During covid me and my husband lost our jobs and where unemployed for about 3 months so we got behind on our mortage by 4 payments but we have been paying on time ever since. We got on one of the covid plans with our mortgage company and signed paper work to put our missed payments on the end of our loan. They refuse to honor that. We have been fighting with them for a year now about it. They keep sending us loan modifications that raise our monthly payments and we keep telling them we arnt signing them. We applied for a grant threw XXXX to get this taken care of. I applied in XXXX and they have been waiting on fifth and third to respond to their request since then. We have called them multiple times and told them this so they would contact them. They deny that they did try and contact them but then say that they did. Fifth and third call and harass us for payments constantly and we tell them the same thing every time they call. To either honor our original agreement to put the missed payments on the end of our loan or respond to the program we applied for and they dont want to do either and just make excuses. Now they took 2 payments from our bank account last month and are refusing to credit them to our account. Something needs to be done because this company is ridiculous and no one you talk to seems to have any answers.
Product: Debt collection

XXXX XXXX XXXX, XXXX ( hereinafter " XXXX '' ) is stating that on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX '' ) took out a Loan No. XXXX with XXXX. ( See " First Attachment ). To secure repayment, the XXXX executed a Mortgage Loan No. XXXX with XXXX ( " XXXX '' ) as nominee for XXXX, which was recorded in the Bureau of Conveyances of the Federal State of XXXX as Document Number XXXX. ( See " Second Attachment '' ). Shortly thereafter in XXXX, XXXX claims and states that it sold its Loan No. XXXX to Countrywide Home Loans , Inc. ( hereinafter " CWHL, D/B/A BANK OF AMERICA HOME LOANS, INC. '' ). ( See " Third Attachment '' ). CWHL, D/B/A BANK OF AMERICA HOME LOANS, INC., states in a XXXX XXXX, XXXX " NOTICE OF INTENT TO ACCELERATE '', that Conduit Loan Account No. XXXX between the XXXX and unknown investors is in serious default. ( see " Fourth Attachment '' ). CWHL, D/B/A BANK OF AMERICA HOME LOANS, INC., states that by an Assignment of Mortgage dated XXXX XXXX, XXXX and recorded in the Bureau of Conveyances of the Federal State of XXXX as Document Number XXXX, BANK OF AMERICA , N.A . FDIC NO. XXXX is now the mortgagee of record for XXXX Loan No. XXXX. ( see " Fifth Attachment '' ). A Notice date of XXXX XXXX, XXXX, CWHL, D/B/A BANK OF AMERICA HOME LOANS, INC., shipped to the XXXX a " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN ''. ( see " Sixth Attachment '' ). On page XXXX, number XXXX, reads the origination date of XXXX XXXX Account XXXX. XXXX between the XXXX and unknown investors was on XXXX XXXX, XXXX. On page XXXX, numbers XXXX and XXXX, also states that the XXXX XXXX Account XXXX. XXXX was transferred on XXXX XXXX, XXXX, to a New Creditor : BOFA MERRILL LYNCH ASSET HOLDINGS, INC. ( see " Fifth Attachment '' ). Since XX/XX/XXXX, for over two years, BANK OF AMERICA , N.A . FDIC NO. XXXX has been attempting to seize and steal the XXXX House and Property.
Product: Credit reporting or other personal consumer reports

In accordance with 15 U.S.C. 1681i, I am requesting that the collection account listed above be investigated and removed from my credit report if it is found to be inaccurate or unverifiable. If the collection can not be verified within 30 days, it must be deleted from my credit report.
Product: Debt or credit management

I have been paying LLexington law since XX/XX/year>. Lexington Law didnt provide the services products I was paying for. I want a refund on monies I paid XXXX. Lexington law is a dispute. I recieved a check from XXXX but this Amount is incorrect. I want all my money I paid Lexington law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered illegal unauthorized accounts on my profile report. I'm concerned that you've included the following information in my credit profile and that you've neglected to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you distribute. Credit reporting laws require agencies to report only accurate credit data. Each step should be taken to ensure that the data detailed is completely accurate and correct. The accompanying data should be researched in this manner. After carefully pulling my credit report from your agency, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these items or inaccurate information because my personal information was impacted by the Equifax data breach and may have ended up in the wrong hands. You are filing reports negligently and inaccurately, in violation of the FRCA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain an attorney to represent you against me. 
I will seek a default judgment and bring a class action lawsuit against the corporation for violations, stress, and menstrual anguish on behalf of at least 1 % of the corporation, pursuant to TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.
Product: Mortgage

On XX/XX/XXXX and XX/XX/XXXX I submitted payments for our XXXX property taxes, which were duplicates of the ones submitted by our mortgage servicer XXXXXXXX XXXX  and then later SPS. The payments submitted by the mortgage servicer were refunded to the mortgage servicer by the county ( confirmed via email inquiry with XXXX ( XX/XX/XXXX ). After allowing for the transition period ( our mortgage servicer was transferred, not by choice ) and review by our servicer SPS, they claimed to have issued a check for the amount due to be refunded. We have opened 6 separate tasks which have lead to three separate escrow analysis all of which determined varying amounts we are due ( most recent XXXX  : {$12000.00}. ). They claimed to have mailed checks multiple times, and then have remarkably been able to void them when we called to say they were not received. We requested they be sent via either certified mail, electronic transfer ( multiple options provided ), XXXX XXXX all were rejected. We have reviewed and confirmed our mailing address ( the same address which we always receive our monthly mortgage statements ) which is the same as the property in question. They have closed the tasks opened without resolving the issue and have provided no plans or strategies to resolve this issue. As it stands, they have held our funds for 8 months, and not seemingly in good faith.
Product: Credit reporting or other personal consumer reports

Experian credit bureau claimed that it did an investigation into disputed items. 

My name is clearly wrong on several areas. 

Addresses that do not belong to me are on my report. 

Accounts that do not belong to me are on my report. 

They started the investigation and claim they ended the investigation without any details of the investigation.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit that were not opened by me. This has been hurting me as I am in the process of Getting a new car. Please remove the fraudulent accounts from my credit as soon as possible.