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

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : | have recently been informed that there is negative information reported by XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. The entry with Reference # XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. Apparently, not on was the case never XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts listed below has violated my rights. 
15 U.S.C 1681 Section 604 A states I have the right to privacy 15 U.S.C 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of Education XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I saw written information on my credit report such as my address and I reached out to the credit reporting agency it to remove it and has since refused. I am sending a final update and warning as I will be filing a suit next month XX/XX/20XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX as soon as I saw mail showing I was behind my payment to them I called to let the credit card company know that I had to close my bank account and re open another bank account due to some hacking on the account. My payments were set on automated payment deduction that always comes out of this bank account and I needed to reset up the same thing with new bank account. I thought the payment for that month had already made it through and it did not go through as it said it did on line on there website and that is why I missed getting payment in on time. I was only a day or so past due when I called them to explain why the payment was not received and to give them new information on my new bank account and tell them the reason I was late was due to not getting my new bank account information over to them before my payment was to come out. After I told them, they said that as of this day I called in my account was technically past due. The credit card company said they would not show me having a late payment account since I called to let them know and redirect my schedule payment to the new account. Now my credit files say the dispute has been taken care of, but it is still on my credit files saying I was late. I need to have this removed from my files showing I have never been late. I am buying a house and this is damaging my ability to do so. I would have never been late if it had not been for my automatic payment not going through because of the change in accounts. I was told they would not show me late. Also the credit card does not show the years I have had it so my credit looks like I have only had credit for just over a year and it's been almost 3 years. This is what is shown on the Credit bureau 's and it should not show late. Overview You're currently using 98 % of your account 's limit. Balance {$880.00} Credit limit {$900.00} Minimum monthly payment {$45.00} Opened XX/XX/XXXX ( 2 yrs, 3 mos ) This is not shown on the credit bureau 's facts for scoring. Payment History Youve made 96 % of payments for this account on time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status 30-59 Days Late Account Details Account status Open Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Worst payment status 30-59 Days Late Times 30/60/90 days late 1/0/0
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to Equifax on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from Equifax regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following is the detail of the inaccurate information and the required correction : Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$500.00} The above account was never late, contrary to the information on my credit report. I kindly request Equifax to correct this inaccurate information on my credit report.
Product: Consumer Loan

may car got repo and it was in good driving conditions. I told them to come get the car because I could n't afford the note due to my divorce. but I never heard from this company again after they came and got my car. i 'm sure the sold the car more than its worth but they still holding me accountable for the car. and I want them to take this off my credit report.
Product: Credit reporting 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 correct : XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1200.00}
Product: Student loan

I am missing between XXXX dollars in monies that I payed toward my student loan. I paid one amount and another much smaller amount was logged. I have reached out to the services provided bank statements and fed student aid to complain and even reached out to ombudsman and am not receiving any assistance at all. No one will rectify this issue. I have been dealing with this for over a year now.
Product: Checking or savings account

We received an email to our business from Chase Bank on XX/XX/2021 at XXXX notifying us that " we can not use your account ( s ), and we will close it soon ''. The email instructed us to read a letter in our Chase account under " Statements and documents ''. By the time we received the email on XX/XX/2021 at XXXX, our account was locked and we were never able to read the letter. As of XX/XX/2021, we have not received anything in the mail either. 

We have been calling the local branch to understand what happened and to withdraw our {$32000.00}. The branch manager has no information to share. We called the loss prevention department and spoke to a XXXX ( Supervisor ) who informed us that Chase can terminate the banking relationship at any time and for no reason. The supervisor further stated that Chase also had the right to withhold our money and therefore our money would not be returned to us. She offered the solution of us contacting our customers to see if their banks would be willing to draw back their deposits and the customer reissue the payment. This is not a viable nor acceptable option. 

Chase has been illegally holding our businesses money for six days not without any resolve. This has severly impacted our business and we are not able to pay our vendor invoices because they refuse to return our money. 

We have been Chase bank patrons with several business bank accounts all of which are in good standing. When we opened our business checking and savings accounts with Chase, we in good faith deposited our money with the understanding that it would be in safe keeping. WE DEPOSITED MONEY FOR CHASE TO LEND ON AND NOT TO STEAL OUR HARD EARNED MONEY FROM OUR SMALL BUSINESS. 

A simple XXXX  search will show you that this is a common practice for Chase Bank and their customers need to be made aware of such bad business practices. 

We need help in getting Chase to return our money and NOT ILLEGALLY HOLD IT FROM US. 

Thank you in advance for your help. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX XXXX  Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX.
Product: Debt collection

i have a timeshare account which they took payment every month from my credit card, the stop taking payments which i resolve it with the timeshare that is XXXX XXXX XXXX. now they send me a collection of {$590.00} which they claim is from the monthly due from maitenance fee which i dont own. please help me deal with this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The nature of this complaint is towards ( i ) False Claims and False Credit Reports filed. ( Professional Negligence and Damages done to plaintiff 's personal credit ) XXXX CREDIT CARD falsely reported negative items on all 3 of my credit reports. ( Total Fraud ) Slander I now can not get a home loan or car loan or credit due to XXXX FALSE CLAIMS of delinquent credit in my name. ( I am a XXXX XXXX XXXX XXXX on a fixed income NOW LOSING MY HOME DUE TO POOR CREDIT ) XXXX of XXXX my credit was stolen and used in CA and NV without my consent or knowledge. I reported it stolen to XXXX and they stated to me they would do an investigation and remove the fraud charges from my credit card. I filed a police report with Las Vegas Metro and the FBI. XXXX never informed me BUY MAIL OR EMAIL THEY ARE DENIED MY FRAUD CLAIM AND PUT MY ACCOUNT AS DELINQUENT ACCOUNT AND RUINED MY CREDIT. XXXX NEVER DID AN INVESTIGATION OR LOOKED AT THE ATM CAMERAS. I am a XXXXXXXX XXXX XXXXXXXX with perfect credit all my life. I have sent request by mail proving I was not in the state when the fraud occurred on my credit card or am I the person on the ATM VIDEOS COMMITING THE CRIMES. 
( I am suing XXXX AND HAVE A COURT DATE ON XXXX XXXX in XXXX XXXX NV ) I will prove in court all my evidence of my innocence in front of a judge and to let the entire world know what XXXX has done to me.
Product: Debt collection

Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by I C Systems. I C Systems has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and an affidavit to I C Systems. They received it certified mail and signed off on XX/XX/21, at XXXX. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170000.00} - Late/Open XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX XXXX Late/closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6600.00} - Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$46000.00} - Chargeoff XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

So far its been a month that my bank has been frozen. Someone got into my account and took out XXXX $ and I filed a claim with Bank of America fraud department. After that a couple of days passed and got a letter in the mail saying yes it was fraudulent activity and I was going to get that money back. Now my account is frozen and has been since I received that letter and received a new debit card from XXXX that I can not activate because my account is closed I need my money to pay bills and its being difficult with them because they just point the finger at each other each time. I have been calling every single day besides the weekend asking them when will I receive any information but all they tell me is to wait and I can not wait anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was going through my records & noticed the fraudulent information and accounts which do not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy... Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXX XXXX XXXX, XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I have spoken with a representative from Capital One requesting a 1099 C form for my tax application it is listed on my credit report as a charge off meaning that the debt has been canceled and I have to report it as income according to the IRS code. I spoke to the representative from Capital One and they said that the account is not canceled they just reported cancel that mean that is incorrect reporting and they must remove it from my credit report by their own admission is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to gain access to my credit report on two separate occasions. 
XXXX- I sent a fax to Equifax per their request to verify my address and identity. This request was told to me by phone when I made the attempt to gain access to my free credit report by requesting it via their website. I never received the report and became concerned so I called in. They asked me to verify my identity. Since they have inaccurate information on my file which I am attempting to correct they could not verify my identity and denied access to my report. They asked me to fax in documentation of my current address, social security number, driver 's license/id and a utility bill. I faxed those documents to the number they provided me and never received the report. In XXXX I called back to follow up and Equifax then stated they did not receive my fax and I needed to re-fax the requested documentation. 

XXXX- I faxed the required documentation to Equifax . I still have not received my credit report. 
XXXX- I called Equifax to follow up on the second fax attempt. I can not get an agent on the phone line. The automated system informed me they could not verify my identity. The automated system hung up on me twice without connecting me to an agent. I made to call in attempts on this day.
Product: Debt collection

Cease and desist Letter mailed on XX/XX/XXXX  Certified mail ( see attached ) Portfolio Recovery continues to call : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX voice message from XXXX XXXX XXXX Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from a Portfolio XXXX  phone number of XXXX XXXX from Portfolio XXXX  number of XXXX XX/XX/2025 XXXX XXXX  from Portfolio number of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX from Portfolio XXXX  number of XXXX XX/XX/2025 XXXX XXXX  from Portfolio number XXXX XX/XX/2025 XXXXXXXX XXXX from Portfolio number XXXX It is my understanding from the Fair Debt and Collection act that each phone call from a collection agency is subject to a {$1000.00} fine per call. 
I do intend to sue for this fine. I also intend to file a complaint with the Missouri Attorney General.
Product: Credit reporting

Outdated Tax Lein that was paid off before it went to collections.
Product: Debt collection

Account in collection but they can't provide full payment history from XXXXXXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2024 I went XXXX to Apply for a loan to do a lease buyout of my vehicle with XXXX XXXX XXXX. The amount was for {$50000.00}. Check and the odometer statement were sent to Stellantis. The check was cashed and it showed a zero balance on my account login. I was them sent a letter on XX/XX/2024 starting that Stellantis would not send out my title. I contacted Stellantis and got no answers of why and I now see on my account that they are trying to charge me another monthly payment ( {$990.00} ) on an account that has a zero balance. 
I have my wits end with this company for us been almost a month and a half since I have been trying to finalize this purchase.

It took almost 3 weeks to t someone to first tell me how the process works and now it's even longer to just close out this lease with them. 
This is not fair for myself as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account KINGS CREDIT SERVICES Date opened XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that KINGS CREDIT SERVICES was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Mortgage

On XX/XX/XXXX I contacted SIRVA Mortgage to obtain a preapproval for my home search. I was told that my FICO  scores were considerably lower than I expected. I regularly monitor through XXXX XXXX. I know that XXXX  uses a different model than FICO, but a difference of nearly 100 points seems a bit excessive. Additionally, my husband 's scores were MORE than 100 points different - he just bought a car with a score over 760 and suddenly it is below 650? Not likely. 

Understandably concerned I logged on to my XXXX XXXX and checked my free FICO  score through them. The difference from XXXX  FICO from SIRVA and XXXX  FICO from XXXX XXXX was 50 points. What motivation would a Mortgage originator have to tell a customer a score that will cost them a much higher interest rate if not for their own profit when they sell the loan to a servicer? Aren't these manipulative schemes that cost the consumer more one of the many reasons Sarbanes Oxley Act of 2002 was enacted?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX  XXXX XXXX acct # XXXX, also XXXX XXXX XXXX XXXX 30 day late payment, and XXXX XXXX 30 60 and 120 day late payments has violated my rights. 

15 U.S.C. 1681 section 602 A. It also 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 an account withiut my written instructions.
Product: Checking or savings account

employee did not follow proper protacal costing me XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a new copy of my credit report and I noticed an account was still reporting in my name that I have disputed as fraudulent or belonging to someone with a similar name. I had no knowledge of this debt yet " XXXX XXXX ''. has continue to report it to my credit file. I had sent a certified letter to them and " XXXX XXXX XXXX '' ( The original creditor ) asking for " DEBT VALIDATION '' and I never received a response back. I believe this account is fraudulent or belongs to someone else with a similar name. This debt is not mine and I've tried every option I could think of to fix this erroneous reporting of this account to my credit file.
Product: Debt collection

I just see a debt appeared on my credit report without me receiving any notice or information about by a Allied Collection to the amount of {$530.00}. Allied collection never contacted me about this debt that they claim was mine. I was not provided with any details or given the opportunity to talk about or the to determine the validity if confirmed to try to settle. Here 's the contact information the debt collecter : Allied Collection, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX.
Product: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}