23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with my " CLUE '' report from LexisNexis. LexisNexis was reporting wrong information, I disputed it with LexisNexis and XXXX, but could not talk to XXXX as I was not a policy holder and nobody would return my calls. My disputes started on XX/XX/2020 when I sent my dispute to both LexisNexis & XXXX. After disputing information that was missing on claims, XXXX changed the details of the claims to wrong information. For instance : Many claims had no birthday, drivers license, or other identifying information. After my XXXX dispute, XXXX filled in the information with wrong info, info that wasn't mine and continues to 'verify ' it, even though it is not accurate. 

I sent another letter to LexisNexis on XX/XX/2020 telling them still, that my file must have been confused with someone else 's, and the information is wrong. They have never replied. I also asked for a copy of my consumer report on the same day, which was never sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Bankruptcy included a Reaffirmation Agreement regarding my XXXX which XXXX and did not attend, sold my car without a Judgment or any legal basis and continued to take payments until the car was paid in full then closed my account and reported to the credit bureaus that it had been written off in Bankruptcy thus managing to steal approximately $ XXXX from me.
Product: Credit card or prepaid card

I Received an email on XX/XX/22 from XXXX that i thought and I call the XXXX so they said that order for something of {$710.00} watch have not all and when I call the number they told me that owe me the money and they said that put in the my account. 
turn out they told to go and get some card of {$500.00} each of three and to keep the phone on while going in the store for buying the cards and after when i was out of the store to send photos both front and back of the card. 
Then told not check my bank account for 12 hours if I did my bank will lock me out of me. 
I also lost them on the Phone and an AL phone number it will be on the pages I will send you ok. 
When call back that see what happen ask them to return the money and to pay the overdraft fee of next {$700.00} and then told to get another two gift cards total of {$500.00} told me not go online 24 hours and i went call online banking 24 hours banking. 
When see what happen I change the pin number and it didn't help found an way to get the money in the long run after all I went to the cops to reporting it. 
I'm send the information ok.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 45 days later, i still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. it is precisely stated in section 611 ( a ) that refusal to investigate these allegation within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and its feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so i know i am being treated fairly and with equal rights as a consumer.
Product: Mortgage

The company is loan care, and I believe they are messing up my escrow account. I have verbally asked to have the account terminated and I was told no I have to submit in writing. I over paid escrow in 2016, i received a letter on the XX/XX/XXXX stating I need to file for another check since it was never sent to me. On the XX/XX/XXXX I faxed the info, letter said 7-10 days to process and today is the XX/XX/XXXX and still has not been processed. XXXX XXXX from the department has not returned my calls from the last two weeks and no one knows where the check is. I have called several times to no avail when I looked them up they have 100s of complaints about this very issue and customer service. They have a 1.2 rating with the better business bureau. And how has my mortgage gone from XXXX to XXXX in 3 years when my insurance is cheaper and taxes are the same? Please help me figure this horrible company out. Thank u ... XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been file reports fraud to credit bureu and also the compnay for years, i am taking this last action before i file a civil lawsuit this is not my account and i have spent countless hours working on this with no resolve
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Transunion are reporting items on my credit report that are inaccurate and past the statute of limitations. When I have asked to verify and validate the account they only say it's been validated as correct. By law, they have to prove in writing, with the Original creditor that I signed a contact and show proof of such, i.e. a voided check. They are playing stall tactics so they can be paid by debt collectors that have purchased these inaccurate accounts. The are also breaking the law by reporting HIPPA medical accounts that can only be reported by the original creditors. The hard inquiries listed on my report are inaccurate. By law, only if I authorize, can a company run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over all of the information requested, yet Transunion and XXXX have refused my identity information, and taken their time in supplying information to my previous requests- plural. As stated on this site, an FTC report may be used in place of a police report, I provided the statement that was needed, proper identification and everything necessary, yet, they had still gone beyond the number of days the law states they must answer to not only validate a debt but for fraud. They are required by law to delete what was requested, and the willingness to do so is them also perpetrating fraud, which will be handle with each violation. This a violation to my natural rights and they are well aware. They are part of the protection process for the consumer, yet seem to have more vested interest in those providing the fraudulent information, which makes them no better.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the unverified and inaccurate account from Chapter XXXX Bankruptcy with Equifax on XXXX XXXX, and it was returned to me as verified. How is this possible? Equifax has failed to send me proof of my obligation of this alleged debt as requested. 

I believe this account does not belong to me. During the time I was disputing this account, Equifax sent a letter to me addressed to XXXX XXXX XXXX. They have me mixed with another person. I am certain that this account does not belong to me because when I sent my dispute letter to Equifax, I enclosed a copy of my state I.D . and a copy of my social security card. 

I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? This company is in violation for continuing to verify the account without providing the evidence as requested. It is my contention that Equifax knows they can not tie me to this alleged account.
Product: Checking or savings account

I started XX/XX/2022 to open an account with Navy Federal Credit Union. While opening the account my internet hiccupped and reset the online account process. In doing this the system created 2 different accounts at once under my name using my social security number and one that was 1 number different. Since this happened both accounts were marked as fraud. I was told when I found this out that to verify and properly set up my account I needed to submit a copy of my license and proof of residence. It has now been a month and a week later being XX/XX/2022 and I was just informed that the previous for weeks of calling and going into branch offices to get my documents verified were for nothing as I was apparently also supposed to turn in a Security Appeal for that was notated on the account from the start but that not one single member till today noticed and notified me about. In this like I shall continue forward to try and solve my problem but this has me severely worried about the safety of my funds being handle should I have a real problem by such incompetency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been notified by Credit Karma on multiple times, that I have been pre-approved for credit cards. When I apply I am always denied and this is taking big hits on my credit as hard inquires. This is an outrage. I have been struggling to get my credit back on track. These inquiries are causing my credit score to decrease dramatically and it's not fair. To this day I am still receiving notices that I have been pre-approved. I am hoping to receive some type of compensation for this misleading and hurtful information. Please contact me regarding this message asap. Thanks in advance.
Product: Debt collection

This is XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account LOANCARE LLC XXXX with a Balance : {$0.00} was incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX late payment ) XXXX XXXX XXXXXXXX XXXX # XXXX ( charge off ) -- {$1100.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : Experian XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I was recently a victim of an online scam. I was offered a remote job to enhance product visibility on an online marketplace. The scam required me to put some money upfront and then withdraw it along with commissions after completing daily tasks. The required deposits kept increasing until I couldn't afford them anymore, and then I was unable to withdraw the money I had deposited. 
All the transactions were done via cryptocurrency. 
Please refer to the attached letter for a detailed description of the amounts involved in the fraud.
Product: Credit reporting or other personal consumer reports

I've been paying my vehicle monthly note as I have for years never behind but now since maturity date has passed and I chose to keep making my monthly payments as planned and because I didn't want to make a big lump sum payment XXXX XXXX XXXX reported my payment as 30 days late which dropped my experian credit score XXXX points which is unfair I want this false reporting resolved and my credit scores back where it was there's no way a company should have your score dropped because you do not agree to make a lump sum payment
Product: Credit card

On XX/XX/XXXX, my card was declined when I attempted to place a planned charge on the account. Yes it was a large charge. Approximately XXXX XXXX. The card is advertised as having no pre-set spending limit. My bill is due XX/XX/24 and this is causing me undue stress and hardship. I may not be able to achieve the sign up bonus spend of XXXX XXXX because the card issuer is not allowing me to place this large charge on the card with, " no pre-set spending limit ''
Product: Mortgage

Back in XX/XX/year> I contacted XXXX XXXX to remove my homeowners insurance from escrow because they were going up on my mortgage tremendously. I had to first show payment of my insurance in full which I did. I paid XXXX XXXX {$1300.00}. After I paid the insurance this caused double payment because my mortgage company had sent via my escrow funds. I was told I would receive a refund. It is now XX/XX/year> and my mortgage company is refusing to release the funds. The refund was sent to them in XXXX from XXXX via check number XXXX for {$1300.00}. I really need this money because it is apparent that I have paid this amount twice this year. I am the only one working in my home and finances are thin. I called XXXX XXXX  today and asked if they could apply this overage to my next mortgage but they want me to wait until XXXX. This is really not helpful.
Product: Checking or savings account

I had deposited an insurance settlement check from XXXX XXXX XXXX XXXX into my Bank of America checking account for the amount of XXXX $ on the XXXX of XX/XX/2023 due to inability of the teller to cash the check. The issuers cheque was from Bank of America as well. Which is supposed to be credited into my account within XXXX business days. But the bank placed the check on hold until XXXX XXXX And deemed the check to be a counterfeit without verification with the insurance agency. They closed down my account under risk closure. They asked me to contact their client protection department regarding the funds. They sent me an account closure letter with no information on the reason for the closure. I called the client protection team constantly for upto XXXX weeks provided the information of the insurance treasury department as well. They re opened my account realizing their error. And validated the funds. But even after consistently calling them everyday for a month, they are not willing to credit my account with the funds. Everytime I contact them they give me a time frame of XXXX business days. But the funds were not credited. My mechanic storAge cost of my vehicle has already gone up to XXXX $ due to the banks mistake which I have to pay out of my pocket.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my account that does not belong to me that is being reported by XXXX XXXX XXXX. In reviewing my credit reports there were several items that were not mine that had been opened in my name as a result of Identity Theft. I filed a complaint with the FTC when I became aware that these items were being reported. The FTC complaint is attached. 

This is the last remaining item ( currently known ) as the result of the identity theft. I am politely requesting that this be reviewed and removed as I did not open this account. 

Thank you
Product: Checking or savings account

I took out money from a Bank of America ATM. Two days later I went take out money and my entire account was wiped out, which was about {$1300.00}. I put a claim in with my bank and they declined it because they had pic of me taking money out that night matched to a pic month earlier. I said OK but what about the 3 transactions after that? can I get a pic of those ones? they would n't give it to me and said I need to get a subpoena. I went down to my local branch and they gave me a copy of the photo and it was another man wearing a hat, dark glasses, mask over the mouth and even gloves ( see pic in the attached documents ). I went to the police straight away and put in a report. the police officer said this is quite common for someone to swipe your details. I have been trying to get in touch with the ACTUAL claims handler that decided to decline my claim, but no one ever called me back. I have tried about 4 times now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account ending in XXXX, I want this account deleted due to inaccuracies and false reporting. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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. Equifax is reporting several years of activity on payment history after account was closed. I want the account deleted for false reporting because there is no activity on payment history after an account is closed. Equifax is reporting available credit $ XXXX. This is inaccurate and false reporting and I want the account deleted because the account is closed so there is no Available credit.
Product: Credit reporting or other personal consumer reports

Equifax has been hit with a security breach in XXXX that was reported in XXXX. I placed a security freeze from their website https : //my.equifax.com/membercenter/ # /login around XX/XX/XXXX. The security freeze has been active since. Recently, I've tried to remove the security freeze by login to the website with my credentials. 

I've been unable to login to Equifax to remove the security freeze at least since XX/XX/XXXX. I've tried resetting the password but it does not work. I called customer support on XX/XX/XXXX to give me access to my account but they were unable to reset my credentials. They escalated my issue with number XXXX but they did not fix the issues within 7 to 10 business days. 

I've called twice ( XX/XX/XXXX and XX/XX/XXXX ) and both times the customer support was not able to reset my password nor give me link to reset my password on my own. They did offer me help to unfreeze the credit report by calling them. However, I would like to freeze/unfreeze on my own without requiring to call customer service every time. 

I'm asking Equifax to give me online access to my account and let me decide when I would like to freeze or unfreeze my credit.
Product: Credit card

I never miss a payment. I am certain of this. I dont get why this company is marking me late for some months. USC 1666b states that billing errors should be corrected and shown as paid on time.
Product: Credit reporting or other personal consumer reports

I DID NOT AUTHORIZE THIS ACCOUNT. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Student loan

In the response from ECMC, the following was staed : a ) Of that amount, {$20000.00} was principal {$9900.00} was interest ( 47 % ) and {$5500.00} ( 26 % ) The interest and collection cost assessed on this account are exorbitant and excessive ; needs a review. 

b ) I would like a statement of the account from XXXX thru XXXX. There is no record of any payment at all. Please review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uneasy about the ability about communicating a dispute involving Identity Theft, I have tried on several occasions to electronically and telephonically communicate to Experian Credit Reporting Agency that I am a victim of Identity theft and never gave permission nor received benefit of the accounts and inquiries acknowledged. The Accounts and inquiries of concern are as follows : XXXX XXXX XXXX  Acct # XXXX ( {$8.00} ) XXXX XXXX XXXX  Acct # XXXX ( {$2500.00} ) XXXX, XXXX-XX/XX/19, XXXX-XX/XX/19,   XXXX-XX/XX/19, XXXX XXXX-XX/XX/19, XXXX  XXXX-XX/XX/19,  XXXX-XX/XX/19
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has not obliged by 15 usc 6802. After contacting this company numerous of times to remove these items nothing has been done. I was never properly notified that this item would be reporting on my behalf nor have I ever given permission for information to be passed to a non affiliated third party. Also after looking at 15 U.S. Code 1681b, a consumer report shall not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. This alone is in direct violation of consumer reporting.
Product: Credit reporting or other personal consumer reports

I been paying for my credit report and its showing no credit history on my account. Then on other websites I have a credit score.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions