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

Lexisnexis has been reporting inaccurate addresses on my report. The addresses in question are incorrect and don't relfect on my current or previous residences. According to FCRA consumer reporting agencies such as Lexisnexis are required to maintain accurate and up to date information in consumer reports. Pursuant to 15usc1681e ( B ) FCRA mandates that whenever a cra prepares a consumer report it has to follow reasonable procedures to assure maximum possible accuracy of the information concerning consumers. The inaccurate addresses I have on my dispute letter attached do not comply with FCRA accuracy requirements. To support my request I have also attached a copy of my state ID along with a recent bank statement that will reflect on my accurate address.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : MIDWEST RECOVERY SYSTEMS {$360.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity  theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDWEST RECOVERY SYSTEMS {$360.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX we received notice from XXXX XXXX that a XXXX XXXX XXXX XXXX account was opened in my name. I called them immediately to let them know that I did not open up an account and that it needed closed. 

I wrote them a letter on the following dates asking them to send written confirmation that the account was closed. Each time I received a standard notice back that said they were looking into it and would get back with me. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX We are just seeking for a written confirmation that the fraudulent account has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Product: Credit reporting or other personal consumer reports

I sent a debt validation to for specific debts found on my credit report with the three bureaus and XXXX is the only one who responded. Equifax and XXXX has not. I have a tracking number showing when I mailed the method of verification letters. And I received an updated credit report from all the bureaus. XXXX was unable to produce their method of verification so they deleted the XXXX XXXX XXXX account and XXXX XXXX and Equifax and XXXX didnt show me their method of verification but stated that the companies have certified the accounts as accurate and correct. They have not fulfilled the duties asked for them and are violating my rights. 
Equifax tracking number : XXXXXXXX XXXX  tracking number : XXXX
Product: Debt collection

This company has called me over 20 times leaving messages that my social security is linked to an account and all my employers will be notified and will collect from them. I filed bankruptcy 2 years ago. The women stated my old account and I told her it was wrong. immediately she snapped back and said " what 's wrong ''. I asked the year of the account and she was rude and interrupting me. and said well I have your social security number so good luck to you. I called back to speak to a manager and the same women immediately picked up and said " you ai n't wasting anybody 's time ''. I called back from a different number to get a manager and a male picked up. I tried to probe for information so I asked for a mailing address to make a payment. He asked for my phone number, I told him that my phone number was n't linked to that account. he then asked for my SS and I told him I 'd rather not give it over the phone. I asked him to search me by name. he found my " account '' and I asked him what year it was from. All of the sudden the phone and the systems were down. I told him that I filed for bankruptcy and that they needed to stop calling. He said " you were lying then! '' you know what bye.
Product: Credit card or prepaid card

Sometime around XXXX I logged in to my citibank credit card accounts to find that they had all be closed by the issuer. I am not sure why citibank decided to close my accounts as my payment history was excellent. I understand they have the right to close my accounts at their own discretion ; however, I had just been charged an annual fee of {$95.00} on my citi XXXX XXXX XXXX access more credit card on XXXX XXXX. Citibank charged me in advance for the annual fee, only to cancel it just a few weeks after taking my money. 

I reached out to citi about this issue, and they confirmed that I absolutely would receive the {$95.00} credit as a refund on my final statement. Unfortunately, I never got another statement from citibank. I reached out to them again today, and now they are saying that I will not be getting the {$95.00} annual fee refunded. 

I saved the online chat with a citibank representative where they assured me numerous times that the annual fee I had just paid would in fact be refunded. I have attached it to this in the complaint.
Product: Credit reporting or other personal consumer reports

I am submitting to inform credit Bureaus that I have been a victim of identity theft. According to Section 605b of the Fair Credit Reporting Act ( FCRA ), they are obligated to remove any items listed on an identity theft report. Enclosed are the necessary documents to facilitate the removal of the erroneous information from my report. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX : - XX/XX/XXXXXXXX Balance : - XX/XX/XXXXXXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$360.00} XX/XX/XXXXXXXX Balance : {$900.00} XX/XX/XXXXXX/XX/XXXX XXXX Balance : {$820.00} XXXXXX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XXXX XX/XX/XXXXnquired on XX/XX/XXXXXX/XX/XXXX Inquired on XXXX XXXX, XXXX XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a public record on my consumer report I do not recognize. I contacted the courts and they said that the information I gave them does not match. I never filed bankruptcy. Can you please provide proof from the court of this public record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had this XXXX XXXX card a while ago by XXXX XXXX. I ran into some personal problems and my account got closed. Some time later I paid a settlement sometime in 2018 and yet this is still appearing on my credit report. This is inaccurate and any help getting this resolved would be greatly appreciated
Product: Credit reporting

I contacted experian in regards to a public record for a chapter XXXX bankruptcy list on my file. I disputed this public record mark and asked for verification and they said it was valid. I then contact the bankruptcy court to ask for XXXX procedure in reporting to the credit bureau 's and they responded that they do not report any information to the credit bureau 's. XXXX must have pulled this information from a 3 rd party and the court verified it with me that they do not report to credit bureaus and therefore the public record reflecting this information must be deleted from my credit report.
Product: Debt collection

I have repeatedly had XXXX XXXX XXXX call this company to tell them they are balance billing and the debt is not owed but they just get a new credit collection agency to take the collection claim. I am under constant harrassment for a debt that I do not owe. They also use a service called Link Revenue Resources which tell me that they can not stop billing until the " facililty '' tells them to. The only number for XXXX XXXX billing is the phone number to Link Revenu Resources and the corporate office does not help me either. I am attaching the multiple contacts I have had with them in 2021 alone.
Product: Credit reporting or other personal consumer reports

My mom has been using my credit and my social security number for loans and credit cards
Product: Credit reporting or other personal consumer reports

I am writing challenging compliantly act with certified proof that they are reporting complete, timely, not erroneous or they must remove the items immediately by the credit reporting agencies regarding the accounts listed below : Account Name : XXXX XXXX XXXX Account Name : XXXX Furthermore, I was ask to send two different items that would verify my identitiy and the other would verify my correct address.

The following inaccuracies were identified in my report : The name listed on my report is XXXX, XXXX does not match my legal name, XXXX XXXX. I kindly request that my name be updated to reflect my accurate legal name to avoid any potential confusion or errors in the future. 

I have also noticed that the creditor information listed under the name XXXX, XXXX is incorrect and does not belong to me. This erroneous information has had serious implications for my creditworthiness and should be corrected immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ( see Attach ) 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make these fraudulent charges. Please review these charges an remove them from my credit report.
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I used my rewards points to book a flight last XXXX.In order to do so, I had to book through Chase 's travel portal, which works with XXXX. Due to a medical emergency, I had to cancel the booking before flight. According to the airline, if I provided medical documentation, then it would refund my flight in full ( I have this in writing, and I have been told this multiple times over the phone by the airlines customer service ). I contacted Chase and was advised that their " offline team '' would contact me to request documentation. I was emailed in XXXX asking for the medical documentation to send over to the airline. I sent it over on XX/XX/XXXX. To date, the airline says they have not received any documentation. I have spent hours on the phone with Chase 's " supervisor '' line, and have had no success in moving this along. Chase insists that the airlines customer service phone number is experiencing technical difficulties, but I can contact the number listed on the airlines website and immediately speak to customer service. I even bridged a phone call to prove to Chase that the airlines phone number worked fine, but was told by Chase it was against their policy to do this.Meanwhile, the airline confirmed to me that they had processed all refund requests up to XX/XX/XXXX, meaning they never received my request from Chase. At the same time, Chase insists they sent it over, but has taken no further action. Two weeks ago, after another marathon call with Chase, I was advised the " offline team '' would reach out to me within 48 hours to assist. I never received any communication from the offline team trying to resolve this issue. 

I've exhausted my time trying to get Chase to resolve this as it is the only roadblock to refunding this flight. Ive done my part, and the airline is willing to refund this ( and has said it only takes a few days to process the refund once documentation is received ), but Chase is acting a roadblock. If I hadnt used my reward points through Chase 's travel portal for this flight, I never would have had this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved out of an apartment everything was left clean and immaculate everything was paid and then I see a collection on my credit report from this rental company for no reason trying to charge me {$4500.00} for a dog cage they said that was left in the backyard mind you I did not even own a dog!! This is an error and it's impossible to speak with anyone that will help! Ive always paid my bills on time and never had any issues and now I need to move and this collection that SHOULD NOT be on my report is hurting me from getting a new home. PLEASE HELP!! These people XXXX are liars and won't even bother responding to my letters requesting PROOF!!
Product: Mortgage

I accepted an agreement with Chase for mortgage assistance back on XX/XX/XXXX in which I would pay {$100.00} per month for XXXX XXXX The program ended on XX/XX/XXXX. When I called to make a payment on XX/XX/XXXX, I was told to make another payment of {$100.00}. I did that. Later in XXXX I filed for additional mortgage assistance with Chase. In XXXX of XXXX, I was told that I was turned down for additional mortgage assistance. I am now working to pay the balance owed after the first mortgage assistance expired. However, on XX/XX/XXXX, Chase sent a delinquency notice to the credit bureaus stating that I missed my payment for XXXX. That is not correct. I am current through XXXX and am working to be current for XXXX as well. I have contacted Chase about this and they refuse to assist me.
Product: Credit reporting or other personal consumer reports

I am frustrated and disappointed, my requests to correct inaccuracies on my credit report are consistently ignored, this is an insult to me as a law-abiding citizen and a blatant violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XX/XX/XXXXXXXX - XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX -- IXX/XX/XXXXXX/XX/year> : XXXX XX/XX/year> :XX/XX/XXXX
Product: Mortgage

My wife and I purchased our home in XXXX, XXXX. Because she had equity in her previous house and better credit, we decided to put the house in her name alone. My name was added in XXXX when we refinanced the house to a 15 year mortgage although her name alone remained on the deed. She died on XXXX/XXXX/XXXX from a long battle with XXXX. I not only lost my wife and best friend, I lost her income as well. Chase was kind enough to offer a loan modification program to help those who are struggling to make payments. Although I have always made the payments on time and continue to do so because of savings from life insurance, I am actually short about {$1500.00} a month. At my present rate, I will be out of savings in less than a year and will be forced to sell my house or maybe move and rent it out. I applied for a modification with Chase so that I can modify my loan from a 15 year to a 30 year mortgage. I was led to believe everything was in order and straightforward. The person I was dealing with is XXXX XXXX. I spoke with him on or about XX/XX/XXXX to ask how my application was coming along. He said he did n't know but assured an answer was imminent and that he would call me. Well, he never called so I called on Friday, XXXX XXXX an spoke with someone else who told me I was denied. This surprised me based on my longstanding and perfect payment history with Chase and my financial situation and have appealed their decision. The gentleman I spoke with was unable to explain the reason for the denial. What was particularly upsetting was I got a denial letter on Monday, XXXX XXXX DATED XXXX XXXX! This means XXXX lied to me! What was shocking and extraordinarily upsetting was they gave me XXXX options : 1. Short sell my house. This is ridiculous and insulting because Chase already verified the value of my house at {$340000.00}. I have that in writing. I owe about {$160000.00} so selling my house in XXXX is no problem. 
2. Foreclose on the house and give it back to Chase. 
My god, if this is n't predatory, I do n't know what is. 
No mention of selling the house ( other than a short sale. No mention of a refinance which is my other alternative since I only want to make the term 30 years instead of the current 15 year term. 
Can I sell the house? Yes, I can sell it. But why should I be forced to sell my house that my wife and I turned in to a beautiful home together. I 've lived there nearly 13 years. I ca n't imagine living anywhere else and my house is to special to me to consider moving right now. It 's not my fault my wife died. It 's not my fault I 'm struggling financially. Chase has a program to help customers who are struggling to make their house payments. I 'm one of those customers and am asking for their help. 
Another thing that was especially hurtful is they addressed the letter to both me and my wife despite me providing a death certificate and the proper legal paperwork to transfer ownership into my name. 
I 'm astonished at the incompetence and outright deceipt in how Chase has chosen to deal with situation. 
Your assistance in this matter is greatly appreciated. 
Thank you.