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

I am writing to formally lodge a complaint against LexisNexis Risk Solutions concerning the inaccurate reporting of a bankruptcy on my credit report. This erroneous information has significantly impacted my creditworthiness and has caused considerable distress and inconvenience. 

I recently obtained my credit report from LexisNexis Risk Solutions, which erroneously included a U.S. XXXX  Court item. As per the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 5 ), if a credit reporting agency can not validate the information with the original creditor, they must remove said information from the consumer credit file. 

In correspondence with the U.S. XXXX  Court, I have been informed that they do not provide information to credit reporting agencies, nor do they validate or confirm public records. 

The court emphasized that they are not responsible for the collection, validation, or dissemination of public record information by third-party providers like LexisNexis. 

Despite this, LexisNexis has not verified this public record entry on my credit report. The XXXX  Court has confirmed that LexisNexis has never validated or verified this public record, and they do not provide any information for credit reporting purposes. As such, the inclusion of this erroneous information on my credit report constitutes a violation of the FCRA. 

I have formally requested that Lexis Nexis provide me with copies of all documentation associated with this public record, including any court orders or authorizations bearing my signature. I have also demanded the immediate removal of this incorrect public record information from my credit report. To date, LexisNexis has not complied with my request. 

Given the apparent violation of the FCRA and the severe impact this inaccurate information has had on my credit report, I am seeking the intervention of the Consumer Financial Protection Bureau to resolve this issue. I request the CFPB to : Investigate LexisNexis Risk Solutions ' practices in handling and verifying public record information. Ensure the immediate deletion of the incorrect bankruptcy information from my credit report. Implement measures to prevent such inaccuracies in the future. 
I have enclosed copies of my correspondence with LexisNexis Risk Solutions and the U.S.

XXXX  Court for your review. I trust that the CFPB will take appropriate action to address this matter promptly. 

Thank you for your attention to this urgent issue. I look forward to your prompt response and resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I, XXXX XXXX am not utilizing any credit repair agency or third party entity. I have attached my full complaint in the document section.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Agency was notified that it was in violation 15 usc sec 1692g
Product: Credit card

Company closed card due to fraudulent charges yet refused to refund fraudulent charges and failed to block merchant resulting in a violation of my privacy, as the consumer.
Product: Debt collection

I filed a complaint with you all on santander a month or so ago and they removed from my credit report as a debt relief attached is a copy of the response from then well here it iw months later they have sold my information to another company after agreeing to remove from my credit which they did but they never states they were going to sale my information attached is a letter of that as well
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include
emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

XXXX XXXX XXXX XXXX Included in Bankruptcy {$0.00} U.S. Bankruptcy Court XXXX Bankruptcy {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/2023 Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C.1681 SECTION 602 A.STATES I HAVE THE RIGH OF PRIVACY.

15 U.S.C 11681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CONNOT FURNISH AN ACCOUNT WITHOUT MY WRITING INSTRUCTIONS
Product: Credit card

I've made sure to pay this account on time, never letting it go overdue. I don't see why there are reports of late payments. According to 15 USC 1666b, billing errors need to be corrected.
Product: Mortgage

I provided Fay Servicing proof that I had already paid all current property taxes and filed a complaint with the CFPB on XX/XX/2024 regarding the refund of paid taxes and the closure of my escrow account. 
Fay Servicing once again claims to have paid the XXXX XXXX and XXXX XXXX taxes on XX/XX/XXXX and XXXX, XXXX. They did not and could not have paid the taxes in question since they were already paid XX/XX/XXXX of XXXX  by me.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZED ANY OF THESE HARD INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE 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. 

Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX # XXXX Account name XXXX XXXX XXXX XXXXXXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my card suddenly stopped working due to unusual activity. I accepted it because I recently joined an XXXX XXXX XXXX and have been placing multiple orders. The people in the group also noted their banks have done the same. I simply reached out To Cash Apps support team via the app and let them know that the card was being used by me and to please unlock the account. On XX/XX/XXXX, I tried to send the balance to my account and kept getting the Cashout failed error. However l, the cashout I did on XX/XX/XXXX was successfully deposited into my account that evening. My boyfriends birthday was the next and I wanted to send him some cash and found that i was still able to send money from my bank account just not My Cash App balance. I also began to follow them on XXXX  and saw that I was not the only one with problems accessing the funds on Cash App. On XX/XX/XXXX, I Sent a few messages on XXXX asking them to please look into my account. No response was given. On XX/XX/XXXX, I received an email stating my name on the account did not match my unemployment deposits. I knew that couldn't be right and I sent in the documents asked for the same day. My name did in fact match my deposits. Later that evening I saw on XXXX that someone else received the same exact email word for word and upon further investigation there were dozens of others receiving that email. I also received more deposits to my account form Unemployment ( backpay ) and they successfully were deposit however, I have no access to the funds. I reached out again over the next few days to Cash app via the app, on XXXX  in XXXX  as well as their direct messages. Cash app does not have live support and is hard to get ahold of. It seems they are sending out automated messages to their clients and not actually addressing the issue. As of Today XX/XX/XXXX, I have {$1900.00} in the account and can not access it. Another deposit should be scheduled soon and there will be more money I can not touch. I have bills to pay and can not send the funds to my linked bank account but Cash app will gladly allow me to add. This is unacceptable as we are in the middle of a pandemic and funds are desperately needed. They advertised using their direct deposit but have however made it difficult for those who decided to use it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( Case XXXX ) I have been impacted by XXXX XXXX Breach, ( ID XXXX XXXX ), my SSN being used as a personal gain. I have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Derogatory Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I was impacted by the XXXX XXXX XXXX XXXX Customer Data Security Breach ( XXXX XXXX. XXXX ), which I believe contributed to unauthorized activity on my account. Upon obtaining a copy of my Early Warning Services LLC report, I discovered several inaccuracies, including entries from financial institutions with which I have no affiliation. Your records show Non-Sufficient Funds ( NSF ) entries or related activity for the financial institutions below ; the amounts and account numbers : 1. XXXX XXXX XXXX XXXX : Account # XXXX : {$8300.00} ; {$20.00} ; {$96.00} ; {$390.00} ; {$1400.00} ; {$1200.00} ; {$170.00} XXXX. XXXX XXXX : Account # XXXX : {$80.00} & {$56.00} XXXXXXXX XXXX XXXX XXXXXXXX : Account # XXXX : {$430.00} ( 2 TIMES ) ; {$430.00} ( 18 TIMES ) ; {$1.00} ; XXXX. XXXX XXXX XXXX  : Account # XXXX : {$1000.00} & {$1500.00} XXXX. XXXXXXXX XXXX XXXXXXXX XXXX : Account # XXXX : {$2500.00} ; {$1500.00} ; {$1000.00} XXXX. XXXX XXXX XXXXXXXX XXXX : Account # XXXX : {$2000.00} XXXX. XXXXXXXX XXXX XXXX XXXX Account # XXXX : {$2000.00} XXXX. XXXX XXXX XXXXXXXX Account # XXXX : {$54.00} ( 3 TIMES ), {$100.00} ; {$95.00} XXXX XXXX XXXX - XXXX : Account # : XXXX XXXX XXXX XXXX - XXXX : Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXX XXXX XXXX : Account # : XXXXXXXX XXXX XXXX : Account # : XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX {$16.00} ( 8 TIMES ) Account # : XXXX XXXX XXXX XXXX XXXX : Account # : XXXX : {$2500.00} ; {$1500.00} : {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXXXXXX XXXX : Account # : XXXX I contest these records as they are inaccurate. I have no relationship with these institutions and did not authorize the accounts, inquiries, or transactions associated with them. Therefore, I respectfully request the following actions ; conduct a thorough investigation of the disputed records as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), provide verifiable documentation or evidence from the reporting entities substantiating these entries, delete all unverifiable, inaccurate, or unauthorized records from my Early Warning Services LLC report, and send me an updated copy of my Early Warning Services LLC report reflecting the corrections.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) notified me via email on XX/XX/2023 that they sold my loan account to XXXX and XXXX XXXX ( XXXX  ) they autopay and account was transferred with the loan agreement. I received notice from XXXX via email on XX/XX/2023 informing me that they are my loan servicer and to look out for account information and how to set up my account online. Thus, I received the information from XXXX and they began reporting to my credit profile. I began to notice that XXXX and XXXX  were both reporting the same account simultaneously. I immediately notified XXXX but they refuse to help me ; their excuse is that XXXX  received the account and is responsible for updating the reporting information. I had been going back and forth with both loan servicers until XXXX  suggested that I file a dispute with the reporting agencies. I have since filed disputes and included all required documents to each bureau Equifax, XXXX and XXXX. XXXX and XXXX immediately and correctly updated the XXXX account as closed-transferred but, Equifax returned my disputes as XXXX reporting correctly. I have call and re-filed my dispute but Equifax has not corrected the account, to date. Because of this I have a duplicate loan account with XXXX different servicers and Equifax customer service representatives are not comprehending my request.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$9400.00} Charged off XXXX XXXX **** Date Opened : XX/XX/year> Balance Owed : {$12000.00} Late/Open
Product: Credit card or prepaid card

Over the XXXX holiday my Amex Serve card was hacked. I lost a total of {$250.00} since my debit card was linked to this serve card the hackers were able to transfer {$110.00} dollars to the serve card. I had my card in possession. I received a text from my bank of unusual activity so I checked my emails. I got a string of Amex Serve card confirmation emails which I did not authorize. I've never used my Serve card until I made a purchase at a XXXX after that transaction it snowballed from there. I called Amex Serve to report it my account information was changed they gave me a number to call the next morning to the Fraud department a claim was filed. After a week or so I received the determination of the investigation to be generic valid authorized transactions. I call backed customer service to complain after another week I received the same answer from the first investigation. In order for me to get the information what concluded the determination to be valid I need to write a letter to the company. I ended up closing my account out of frustration. Now my account has a negative balance of a {$100.00} in fees. As soon as I received the alert from my bank the next day I called ordered a replacement card and filed a dispute. On the Amex Serve end I was speaking with a customer service representative which I had to change my email address and password.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance : {$3600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$15000.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

Ive been having issues with 5th 3rd ( the bank ) since its inception taking over my mortgage loan from the previous loan servicer. First, the bank failed to calculate my escrow account balance correctly by missing the begining balance, then the bank failed to calculate the interest payment required of escrow, now it simply refuses to properly apply payments ( as a result of its own internal failures applying payment ). The bank has falsely reported to credit unions that I have missed payments, when in fact its the banks own failure applying payments. In the end, now my credit report is filled with errors and the bank os requesting extra payments for previous payents ( made 1 or two dayd before due date were improperly applied ).
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Vehicle loan or lease

We are on Government orders to live and work overseas. We have a loan with TOYOTA Financial. Our XXXX XXXXXXXX XXXX XXXX, is stuck at the US port and can not be shipped overseas because Toyota Financial refuses to provide us a copy of the title, so we can provide to the Government transportation company. We have been without a vehicle for 6-weeks with no end to this dilemma in sight. We have been Toyota customer for over 15 years and we can not believe how Government employees are being treated during theses difficult times. We've left friends, family and belonging behind and now we can not even ship our vehicle because Toyota Financial will not support families transferring overseas on Government order and assignment. 

The Gov shipping company will not move our vehicle without a copy of our title. The loan is financed and we are current on all payments. 
We have been made been communicating on the phone for 4-weeks trying to get the title issue resolved no avail... We are being held back financially without a vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed the Ch XXXX Bk on the experian credit report. I inquired as to where the reported information came from and if they were able to verify how they received said information. The dispute was closed and is unable to be re opened and the information as to who reported this to them has not been provided.