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

LexisNexis failed to update their erroneous driving record report after repeated attempts to contact them which led to denial of insurance from multiple companies that use their services. They are next to impossible to contact in person, and when you do finally contact someone, all they do is tell you to upload more personal records. The type of personal information that LexisNexis asks you to submit over the phone to a foreign call center is extremely disturbing and should not be allowed as it creates another identity theft breach point. The failure of LexisNexis to correct this issue in a timely manner has led to personal financial loss for me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPT OF EDUCATIONXXXX XXXX Balance : {$4400.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$2800.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$4800.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX  Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$110.00}
Product: Checking or savings account

So bank of america closed out my account before they did i went into the bank to try to verify my identity to stop it from happening which they denied i see where they are already going through a lawsuit, i've recorded multiple conversations & even spoken with a lawyer as far as getting my law suit started!!! They are denying me to get my funds they closed my account out XX/XX/year> & is telling me to wait until XX/XX/year> to recieve my funds if that's even the correct date. i'm human we are all human i have bills they haven't even gave me a reason a good reason as to why they are holding my funds i've completed every step contacted multiple departments in the bank & even have in recording that the bank wasn't able to hold my funds for so long without reason. I've read up on multiple things recorded multiple conversations where i was told several different things if i don't get those refunds released out of that bank account i can't pay my bills i have a XXXX XXXX XXXX baby i need my money!!
Product: Credit reporting or other personal consumer reports

I am receiving a letter from the bureaus saying that I am not the one who sent the letter for inaccurate accounts and unauthorized inquiries on my credit report. this is not true because I myself send my letter to the bureaus. This is a list of negative accounts that I want to delete. 
OHIO DEPT OF HUMAN S XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX of XXXX, and the financing was arranged through Credit Acceptance Corporation. The vehicle was advertised at {$5900.00}, but the final sale contract listed the price as {$8400.00}, with no explanation provided. I paid a {$3000.00} down payment in cash, but this amount was not properly credited in the financing breakdown. 

I was rushed through the paperwork without being given a clear or complete view of the financing terms, interest rate, or full cost of the loan. I later discovered I was charged for a warranty that I was told was included with the car. The total cost of the loan was substantially higher than expected, and I was misled about what was included in the sale. 

I attempted to resolve this issue directly with the dealership and submitted a dispute letter to Credit Acceptance Corporation. I also requested a corrected contract, loan adjustment to reflect the accurate sale price, and application of my down payment. Despite multiple attempts and providing supporting documentation, my concerns have not been addressed. 

This situation has resulted in excessive interest charges, misrepresented loan terms, and financial harm. I have filed additional complaints with the Illinois Attorney General, the XXXX XXXX XXXX XXXX XXXX XXXX and the FTC.
Product: Money transfer, virtual currency, or money service

During the last three months, Ive had trouble depositing money on my account and withdrawing my funds, I own my own electrical business and a customer sent me, XXXX from XXXX for the work I completed. I already had XXXX on my card, well cash app says due to security reasons they couldnt finalize that transaction. 20 min after that I recieved a notice saying my account was closed due to fraudulent behavior. I called and spoke to three representives back to back and I explained my situation, and I asked why was my transaction deemed fraudulent, no one could give me a straight answer, they said I could remove my remaining funds.it was XXXX dollars on my card but when I went to withdraw my money, there was only XXXX dollars and XXXX cents, this was done XX/XX/year>, when I tried to see what happens to the rest of my money mysteriously there was no record. I called cash app back with no one answering the phone this time just a computer that wouldnt allow me to speak to anyone
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information being reported on my credit report concerning an account with VW Credit ( Account Number : XXXX ). I have noticed that this account has been marked as " charged off '' in XX/XX/XXXX, which is incorrect and adversely impacting my credit score. 

To provide context, the account in question pertains to a car lease that ended in XX/XX/XXXX. The final payment for this lease was made in XX/XX/XXXX, and the car was subsequently returned in XX/XX/XXXX. There were no outstanding payments or issues with the account at the time of the lease termination. 

I recently discovered that VW Credit has reported this account as " charged off '' in XX/XX/XXXX, which is inexplicable given that the account was settled and closed in XXXX. I have spoken to XXXX, a manager at VW XXXX XXXX, who confirmed that there is no apparent reason for this delayed and incorrect reporting. She advised me to file this dispute as she is not a credit specialist and unable to provide a detailed explanation for the discrepancy. 

According to the Fair Credit Reporting Act ( FCRA ), information reported on a consumers credit report must be accurate and verifiable. The current status of my account as a charge-off is neither accurate nor verifiable, considering that the account was fully paid off and closed almost three years prior to this erroneous report. 

Therefore, I am requesting that VW Credit correct this error immediately by updating the account status to reflect that it was paid off in full as of XX/XX/XXXX, with no charge-off status. This adjustment is crucial to rectify the negative impact on my credit score and restore my ability to apply for new credit without undue hindrance. 

Please confirm receipt of this letter and inform me of the steps that will be taken to correct this error. If you require any further information or documentation from my end to expedite this process, please do not hesitate to contact me at XXXX. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months ( passed 180 days already ) and now im having another problem they wont let me link my visa card ends with XXXX which is very frustrating cause I have still money left there, but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX. Thank you!
Product: Payday loan, title loan, personal loan, or advance loan

I made ontime regular payments until XXXX. The company increased the payments from {$61.00} to {$590.00} a month. I spoke to an agent and advise that the payments were not manageable. The agent refused to assist and stated that no adjustments could be made at this time. Unable to adjust the payments it is currently 24 days past due
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, 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 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 reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I see that you verified the account listed below : XXXX : Account number : XXXX, Not correct. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Not correct. Fix, update or delete the information for date open. 

XXXX XXXX : Account number : XXXX, Not correct. Fix, update or delete the information for date open. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists from XXXX XXXX XXXX XXXX 

Pursuant to 18 USC 8.i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am submitting this Complaint in response to the Credit Bureaus ' recent evaluation. I would like to continue my efforts in resolving the matters concerning my personal credit report, as they require my full attention. I am frustrated and believe that there are still errors present on my credit report, which have not been clearly addressed in terms of their accuracy and completeness of information. The account XXXX account number XXXX and Balance : {$0.00} I previously requested that the Credit Bureaus conduct an investigation on this account and provide me with the results, but I have not received any response or information from the Credit Bureaus. I have previously informed the Credit Bureaus about the inaccuracies in the payment history associated with this account and asked for them to be corrected. However, it has been 30 days since then, and the reported information remains incorrect and invalid. I have not received any copies of the investigation results from the Credit Bureaus, and yet the Credit Bureaus persist in reporting erroneous information. In accordance with the Fair Credit Reporting Act, I demand that the Credit Bureaus promptly rectify the payment history on this account.
Product: Credit reporting or other personal consumer reports

after dispute and investigation of this account- XXXX XXXX XXXX XXXX XX/XX/XXXX it was deleted on XX/XX/XXXX. Without notification and evidence of the account it was reinserted onto my credit report. This is a direct violation of the FCRA ( Fair Credit Reporting Agency ) which is affecting my ability to secure a mortgage and needs to be deleted immediately.
Product: Debt collection

I received a call from a debt collection agency entitled " Debt Solutions, Incorporated '' stating that they had a debt for me that had not yet hit my credit but could shortly. I immediately asked what date they showed on the account as it was unfamiliar to me and the representative stated it was XXXX so not yet past the period they could collect. Again as it was unfamiliar to me, I asked to have a " Validity of Debt '' letter emailed to me which they kindly agreed to. Upon review it was apparent to me that they were not, and had not been, truthful. 

The letter indicated that account had been opened on XX/XX/XXXX, so 14 years ago! They had also indicated a charge-off date of somewhere in the XXXX era but the letter provided showed XX/XX/XXXX or a mere 3 months after the account opened. 

My initial response to the " VOD '' letter stated exactly, and I do mean exactly, the following : " I definitely dispute the validity of this debt and this correspondence should be considered my notification in writing as such. '' During the initial call in which I had requested the VOD letter, we had also arranged a follow-up call which I just received and which prompted this complaint now. The same individual that had contacted me initially was the one reaching out, and after quickly alleging the debt was not valid and that the dates on the letter didn't align with what they had told me the first time, I wasn't responsible for it. This prompted the agent to then transfer me to their " supervisor '' who immediately offered me a settlement for several hundred dollars. I repeated to this new person that even a settlement made no sense when all I was doing was disputing the validity of the debt itself. 

The " supervisor '' repeatedly said " you know this debt is yours and you have a responsibility to pay it '' to which I replied that I had stated numerous times including once in writing that I disputed the validity and that the dates on the VOD letter did not align with what I had been told by now two people from Debt Solutions, INC. '' He continued to say that what I was saying wasn't truthful and that further action would be taken against me. I simply stated that I disputed the validity and he continued to suggest that I was refusing to pay and that I had said as much. 

After that I injected legalese into the conversation to the effect that our words had ramifications and him saying I was refusing to pay had consequences and comparably my disputing the validity did as well. I said he was in no uncertain terms calling me a liar after which he simply disconnected the call. 

I would like to not be contacted by this company again and I am reporting their dishonest actions so this happens to fewer people. There are many people who receive calls like this that would simply accept the debt 's validity and pay it without asking for proof but the letter they provided indicated no such proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company is currently showing 30 days late ( XX/XX/XXXX and XX/XX/XXXX ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX is reporting on my credit score but they are not the current note holder/issuer. The company was mailed a notice twice and could not provide the valid required information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS must remove any items no later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$330.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$500.00} ), XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$710.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage servicing company is reporting that I have not made a payment on my mortgage since 2017. I have been making my payments to them. I tried calling and writing them to correct this but it's still remains the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX  XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$300.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

OK, MY FRIEND SEND ME A INVITED TO MY PHONE BUT I LOTS IT.SO KNOW I'M SORRY TO SAY I PUT MY UNEMPLOYMENT CARD ON THE PHONE THAT GOT LOST AND SOME HOW I SENT {$75.00} DOLLARS TO SOME ONE I THOUGHT I WAS GETTING THE MONEY NOT SENDING IT OUT. NOW I WANT IT BACK PLEASE AND THANK YOU