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

This communication is in reference to my LexisNexis Accurint Report dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This communication shall serve as notice to LexisNexis that my LexisNexis Accurint Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to permanently remove the inaccuracies that I have identified in my LexisNexis Accurint Report. The item in dispute is the Bankruptcy that LexisNexis is reporting on my LexisNexis Accurint Report ( See attached Supporting Document # 1 ). This is my fourth notice to LexisNexis Accurint regarding the Bankruptcy that they are inaccurately reporting on my LexisNexis Accurint Report. This information is inaccurate because I have NEVER filed for Bankruptcy and I have NEVER lived at the address associated with this filing. Additionally, LexisNexis has already reinvestigated this inaccuracy and determined it to be UNVERIFIED ( See Page 3 of attached Supporting Document # 2 ). This shall serve as my formal written notice that I do NOT authorize to LexisNexis to obtain a consumer credit report or consumer report of any kind from any credit and/or consumer reporting agency. Any access to any information utilizing my personal information or identifiers will be considered Identity Theft and will be prosecuted as appropriate. I kindly request that LexisNexis promptly rectify the inaccuracies that I have identified in my LexisNexis Accurint Report.
Product: Checking or savings account

I had a previous checking account with Bank of America. They were killing me with insufficient fund fees for all kind of transactions. Because of these fees, the account was always negative and I had no choice, but to close that account. That was in XXXX. 
Two years after, in XXXX, I opened my actual checking account and it was also subject of all kind of insufficient fund fees. Now, that the law required bank of america to refund these fees to customers, I expect to receive all these fees back. however, for some reason the Bank never contact me or issue any type of refund to me. I know that I was a victim of that practice in the past and still a victim today before the bank stopped this exploitive practice. 
So, please help me recover all the money that Bank of America took from me. I am really in need and I have a lot of debt to deal with. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX Balance : {$170.00}, XXXX XXXX XXXX : {$100.00}, XXXX XXXX Balance : {$67.00}, XXXX XXXX Balance : {$5600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$210.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Portfolio Recovery Services started calling me about an alleged debt of {$2500.00} in XXXX of XXXX. I did not recognize the name of the company they were contacting me about ( " XXXX '' ). They told me that it was for a XXXX credit card. I do not HAVE a XXXX credit card. I contacted XXXX to inquire. They looked at my account and said that not only is there no XXXX attached to my account, but that they don't have XXXX credit cards with XXXX, only XXXX. They showed me where it would appear on my sign on page if I did have an account and nothing is there. Moreover, there is no record of this account on my XXXX credit report - no open account, no closed account, nothing. 
I received a letter from XXXX XXXX law firm saying that they purchased my debt fro Portfolio Recovery services. I disputed their claim, explaining what I explained above and requested debt validation because I did not have a credit card with XXXX. Their only response was to issue a subpoena to notify me that they were suing me. I sent them ANOTHER debt validation request on XX/XX/XXXX. To date, I still have not received info. How is it legal to sue someone for a debt that there is no record of, other than from the service they bought the debt from? The company who supposedly issued the card says that there is no debt, the bank branding the card is not on my credit report and there is no proof provided from the law firm or debt collection agency. Portfolio recovery just appeared out of nowhere on my credit report with no card linking it to me on the report. By their actions, anyone can assert that someone owes them money with no proof and then call collections. 
I have disputed this with XXXX, with XXXX, XXXX XXXX and will be with Portfolio Associates. I also plan to meet with an attorney and counter sue them unless they cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to cancel my account from Experian. Signed up a year ago for their credit-monitoring service and am billed {$27.00} every month. The only way to cancel this service is by calling their phone help line. Every time I try to do this ( have tied over 20 times ), the wait time is " 2 hours, '' but then no one ever picks up. To test, I once left it on all day at work. No one ever picked up. 

This company is a complete scam, fraud and should be fined and forced to allow customers to easily cancel online. 

I've tried to block them through my bank, but each month, they bill under a slightly different name, so it's impossible to block them from charging you.
Product: Debt collection

They violated my rights as a consumer under 15USC1681B and i need these items blocked and deleted off my credit report as soon as possible,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a   XXXX   and for some reason when you run my credit, all of my  XXXX  information comes up. Things such as her being in the  XXXX , her places of residence, and car loans she has taken out.
Product: Credit card or prepaid card

Purchased a gift card online. When recipient received the gift card, they were not able to access the funds. When they called customer service, they were asked to provide their debit card number and macy 's would add the funds to their debit card ; obviously the recipient did not do this. 

When I received my bill I was charged for the gift card, even though I had previously contacted macy 's and they had indicated that my account was credited.
Product: Credit reporting or other personal consumer reports

Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent Validation letter by standard mail to Collection Agency XX/XX/year>. There was no Response after 30 days. Notified Equifax that I dispute this account due to no Validation. I sent a second letter certified to the Collection Company to Validated the debt to show proof of Purchase agreement, Still No Response. The collection company has not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Money transfer, virtual currency, or money service

Who : XXXX crypto currency exchange-bank date : XX/XX/XXXX XXXX thru XX/XX/2021 amount : {$13000.00} Problem : i sent USDT XXXX ercXXXX   to my eth address which is totally common and is how almost every wallet and exchange ive ever used transfers all ercXXXX tokens. they go to your etherium wallet. 
They also told me they would attempt to recover my funds and its been 4 months and they have done nothing. I have been trying to stay in contact with XXXX but now they are avoiding me. They are doing this to thousands of people and its unfair and needs to stop immediately and we deserve our hard earned money back. 
If you look on the Etherium block chain, and go to my XXXX wallet number, the usdt is sitting in the wallet and shows the amount and all details, then you go to XXXX XXXX and to my wallet with the same numbers, and the money is not there. Its been 4 Months and i need my money back. 
We need your help please.
Product: Debt collection

I received a letter from a collection company called Hunter Warfield on XXXX XXXX of this year. They listed an arbitrary sum from a former landlord who repeatedly failed to fulfill their duties as a landlord under North Carolina State law. The landlord had harassed my family before sending this to a collection agency. <P/>I did some research on the internet and using your website realized I could dispute the charges and make them provide relevant information. I talked to Hunter Warfield around XXXX XXXX on the phone about the charges and told them I was going to dispute the charges. They said it did n't matter and they could still report me to the credit bureaus. <P/>On XX/XX/XXXX I sent Hunter Warfield a letter disputing the charges and CC 'd the Department of Justice in North Carolina ( creditor location ), South Carolina, and Florida. I pointed out in the letter is was illegal for them to report me to the credit agencies, hence CCing the DOJ. I also requested they mail me : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in North and South Carolina. <P/>On XX/XX/XXXX, the NC DOJ wrote me back and thanked me for reporting Hunter Warfield. Hunter Warfield never responded to my dispute letter and reported me to XXXX and XXXX onXX/XX/XXXX. I learned that they had reported me on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ALL ATTACHMENTS PLEASE SEE ALL REPORTS SENT TO ME FROM TRANSUNION AS THEIR PROOF AND UPDATED INFORMATION.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern ; I disputed the referenced accounts above on { XX/XX/2022 }. The credit report of { Experian Reporting Company } shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. 

CC : CFPB XXXX : XXXX  XXXX : AG Office
Product: Checking or savings account

I contacted PNC Bank on Monday, XX/XX/2021. PNC Bank said that my account was in the process of being closed. I just wanted to make sure that a cashiers check for the balance of {$3300.00} was mailed to my address : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Mortgage

My primary home mortgage is with Truist Bank. I have been a borrower in good standing never been late on my payment for a long time now. Around XX/XX/XXXX I requested to have my escrow removed. I then called to follow up on XX/XX/XXXX and was told by a representative over the phone that my escrow can not be removed due to a negative balance of {$710.00}. I proceeded to pay off this balance right away over the phone, and I see it has been posted on my account. I was assured by the rep that after paying the negative amount, the escrow can be removed. Until today ( XX/XX/XXXX ) my escrow has not been removed and the amount of payment due has not been changed. I called on XX/XX/XXXX, the rep told me they are still processing my request and it should be processed by XX/XX/XXXX. I called on XX/XX/XXXX, and the rep XXXX does not see any notes about the request to remove escrow, puts me on hold several times, and then informs me that " my request will be processed on XX/XX/XXXX ''. Even if the request was not processed yet, the new amount due should be updated due to me paying off the negative balance. Overall, terrible customer service. Each rep provides different information.
Product: Credit reporting or other personal consumer reports

There are multiple duplicate inquiries that appear on my report and belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

XX/XX/2021 Comenity Bank decreased my credit limit stating a derogatory real estate loan which is not true. Comenity Bank is using false information to credit wise with their algorithm to handicap individuals of XXXX. I called before to address an error when it stated my credit score was a XXXX. There was no support or assistance with this matter as well.
Product: Debt collection

I have contacted Drivetime ( as it shows on my credit report ) and was told this is now XXXX. I contacted XXXX about verifying my signature on this account OR remove it. I have ONLY received letter after letter for me to send in my personal info as I did/have and still nothing. This has been ongoing for more than 6 months and still no resolve but it still remains on my credit report without verification
Product: Credit reporting or other personal consumer reports

I was checking my consumer report and I seen a bunch of inquiries that I do not recognize I asked for all the items to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid of a collection on XX/XX/2019. Filed a dispute with TransUnion and the other bureaus on XXXX thinking that it would move it along faster, but the collection agency filed the " notice to delete '' on XXXX also. But, apparently, when a dispute is filed, all information received is ignored unless it is sent thru the XXXX system. The information has been there for almost 2 weeks and the bureau ( unlike the other 2 bureaus who had it cleared by XX/XX/19 )  has still not changed the file to reflect the paid off collection. However, when I look at the TransUnion website, it shows to have come off but my score tanked, and when my bank tries to get my score, it still shows. This company also has no one in the office that can help at all. There customer service seems to be outsourced to somewhere overseas because you can barely understand 90 % of the agents that you get on the phone. I have called multiple times and had no luck getting anyone that could help me with this issue, they all give me the same story that they can ONLY accept information thru the XXXX system after a dispute has been filed. If that is the case, their system is flawed and needs to be changed. They also refuse to accept any documentation from me that is not sent by ground mail. It is unfair to anyone to require them to send info that they have to correct an issue by mail when they can send it immediately by fax or email. The dispute would be settled by lack of response within 30 days before they ever looked at any items that are sent by ground mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not a duplicate complaint. This complaint is strictly referenced to Experian. This is regarding The Bank of Missouri Chargeoff and how Experian has not updated the information to Paid. The Charge Off with The Bank of Missouri & the collection through XXXX XXXX XXXX are separate accounts with the same Account # XXXX. 

Account # XXXX XXXX XXXX XXXX/XXXX On XX/XX/2021, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. The charge off for XXXX XXXX XXXXi/XXXX has not been updated. I contacted Experian on XX/XX/XXXX, opened disputes, and sent the settlement letter from XXXX XXXX XXXX and XXXX Alert reflecting that the amount was taken from my checking account by mail on XX/XX/XXXX. I spoke with a representative on XX/XX/2021 from Experian and they stated that they are unable to update the chargeoff as Paid. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I would like for Experian to remove the tradeline. If they are unable to, I would like for Experian to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the settlement letter from XXXX XXXX XXXX, the XXXX Alert reflecting that the amount was taken from my checking account, USPS Receipt regarding the mailing of documents, XXXX XXXX Letter and the police report from the fire that destroyed my home. Thank you for your cooperation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. On XX/XX/year> {$430.00} was wrongfully sent but no action was done to prevent it. No matter who was contacted I was promised to be helped with the situation but no help was delivered.
Product: Credit reporting or other personal consumer reports

I am working on purchasing my first home and have been checking my credit reports with all XXXX main credit bureaus. Experian is the standout for having a large amount of incorrect personal information and despite disputing these errors, I am receiving " notifications '' from Experian that my disputes have been updated as being correct, yet they have not removed any of the errors. The biggest issue is my student loans are no longer serviced by XXXX, as they have been transferred to XXXX. These XXXX student loans are appearing alongside the same exact student loans serviced by XXXX on my credit report- making it appear that I have open student loan debt through both servicers. This doubles the amount of student loan debt that I appear to have, and this is affecting my debt to credit ratio, my credit score, and my ability to get a mortgage loan. I have attempted to dispute with Experian and have sent them proof of the loan transfer that was provided to me by XXXX on XX/XX/year>. However, Experian has been unresponsive, and has failed to correct these duplications. This is a clear violation of the Fair Credit Reporting Act and is negligent behavior. 
I have also reached out to XXXX to request that they report the transfer of my loans to Experian, however, to my knowledge this has not been completed either.
Product: Debt collection

They repeatedly call, leaving a message for " XXXX XXXX '' or something. This is not me and I have no option to stop them calling cos it's a robocall. I XXXX  number and it tells me it's from ProCollect ( not mentioned in spam ).