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

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report.
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the XXXX major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 at XXXX I recieve an email alerting me to a change in my credit report. The alert further states that a Chapter XXXX bankruptcy was filed with the US Bankruptcy court on XX/XX/2020. I immeditately take off work and begin the process of filing an identity theft claim. I go to identitytheft.gov and file a complaint while I am on hold for 45 minutes waiting to speak with someone from TransUnion. I finally reached XXXX at TransUnion who confirms the bankruptcy is reported on my credit report. I asked her what court and who can I contact who can provide more information. She told me the lawyer name is XXXX XXXX and the bankruptcy was filed in the US Bankruptcy Court of Arizona. I contact the US Bankruptcy Court of Arizona who confirm they have no bankruptcy under my social security number. I then call the attorney who confirmed that his client and I have the same name, spelled the same way and both of us have the same last 4 digits in our social security number, however after confirming the first 3 numbers of my social and my address he commuicated I am not his client and stated TransUnion likely failed to review other identifiers to delineate my identity from his clients and suggested I contact them again. I contact TransUnion ( File number XXXX ) again and spoke to XXXX and provide all the pertinent information for them to validate my story and was told again their investigation takes 30 days and they have documented the information I provided on the attorney. I am in the middle of a refinance, I have a day of lost wages only to find out Transunion is the only bureau of the 3 credit reporting agencies who failed to do their due dilligence. This not only impacts my credit score but I have another persons personal information on my credit report. 30 days is not acceptable to resolve this issue and a fine or some sort of process change should occur to ensure when there are similarities amoug people ( names, DOB, etc. ) that additional quality control mechanisims are implemented to mitigate errors.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation into potentially fraudulent activity on my credit report. After reviewing my credit report, I noticed some inquiries that I do not recognize and believe to be fraudulent. 
See below : -- XXXXXXXX XXXX XXXX XXXX XXXX XXXX  -- EQUIFAX -- XXXX XXXX - XX/XX/
Product: Bank account or service

I had a Mortgage with XXXX in XX/XX/XXXX they sold the Loan to Bank of America, shortly after I had been with Bank of America, Bank of America send me a letter stating I was 10 months behind, I explained how can that be when I have not had my Mortgage with them for that Long, they explained that I had been behind with XXXX XXXX, I send them proof of my payment of the Months they stated I did not pay, I had made the payments thru XXXX XXXX, Bank of America send me another letter stating they wanted a letter from XXXX XXXX stating that they received the payments, XXXX XXXX send them the exact same thing I send them, Bank of America wanted more from XXXX XXXX, and XXXX XXXX said they have send them all that they can send that is proof of payment received and payment send. I could not get Bank of America to budge, I did not want to loose my Home so I applied for a Modification, Bank of America denied the Modification and I was forced to file Bankruptcy this was in XXXX my Bankruptcy discharged in XX/XX/XXXX. I applied for a Job with XXXX XXXX XXXX and they pulled my credit, XXXX XXXX showed up on my credit report they are showing I am late on the Mortgage XXXX and XXXX, XXXX I called XXXX XXXX and I explained I do not have a Mortgage with them, they told me they Purchased the Loan from Bank of America their Balance showing is {$140000.00}. I had a Balance with Bank of America for {$110000.00} please help me, this is hurting my credit and hurting me from getting a job with any Bank. I can be reached @ XXXX I will be happy to provide my Bankruptcy papers if you need them. 
Thank YouSincerelyXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX, account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Reinserted Fraudulent Account XXXX XXXX XXXX  XXXX Dear Experian Dispute Department , I am writing to formally dispute the reappearance of a fraudulent account on my Experian credit report. The account in question is : XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX This account was previously removed from my credit report a few weeks ago after I provided substantial evidence proving it was fraudulently opened using my stolen personal information. However, Experian has now reinserted this fraudulent account, despite my prior submission of all required documentation. 

Legal Violations Supporting My Dispute 1. 15 U.S.C. 1681a ( m ) This provision of the Fair Credit Reporting Act ( FCRA ) defines identity theft and the responsibilities of credit reporting agencies in handling fraudulent accounts.

2. 15 U.S.C. 1681c ( a ) ( 6 ) Reinsertion of previously deleted information must follow strict guidelines, including providing notice to the consumer, which was not done in this case.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) A consumer reporting agency may not reinsert previously deleted information unless it has been certified as accurate. I demand documented proof of such certification.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Information furnishers must not report information they know or have reasonable cause to believe is inaccurate. Given that I submitted an official XXXX Identity Theft Police Report, a FTC Identity Theft Affidavit, and multiple forms of identification ( ID, SSN, utility bill ), Experians reinsertion of this account is a direct violation of this statute.

5. 31 U.S.C. 5118 This law governs obligations requiring payment in specific mediums and supports my challenge to the legality of this fraudulent debt. 

Requested Resolution Immediate and permanent deletion of the XXXX XXXXXXXX XXXX XXXXXXXX account from my Experian credit report. 

A written confirmation of the removal within 30 days, as required under 15 U.S.C. 1681i ( a ) ( 1 ).

If Experian insists on reporting this account, I demand full certification of accuracy from the original creditor, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

A detailed explanation of how and why this fraudulent account was reinserted, along with proof of compliance with FCRA reinsertion procedures. 

Failure to comply with this request will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action to enforce my rights under the law. 

I expect your immediate attention to this matter and a response within the legally mandated timeframe. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Transactions XXXX, PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX  XXXXXXXX XXXX CA XXXX CARD XXXX, $ XXXX : Closed XXXX, PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX 'S XXXXXXXX XXXX XXXX XXXXXXXX CARD XXXX, $ XXXX : Closed XXXX XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX, $ XXXX : Closed XXXX, PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX CA XXXX XXXX  XXXX, $ XXXX : Closed XXXX, PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX CARD XXXX, XXXX XXXX : Closed XXXX, PURCHASE AUTHORIZED ON XX/XX/XXXX RMCF XXXX ( # XXXX XXXX CA XXXX CARD XXXX, $ XXXX : Closed XXXX XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX CA XXXX CARD XXXX, $ XXXX : Closed XXXX, PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX CA XXXX CARD XXXX, $ XXXX : Closed XXXX, PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX AZ XXXX CARD XXXX, $ XXXX : Closed XXXX, PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX  XXXX AZ XXXX CARD XXXX, $ XXXX : Closed XXXX, XXXX AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX CARD XXXX, $ XXXX : Closed They saw large transactions coming from my account and they did not attempt to stop them even at the fact they were made 5 hours away from my house. Then i tried to provide information and they would not let me to show proof I was at work and not able to make those transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a issue with a bank. They have increased my balance to {$44.00} dropping my credit score significantly XXXX points. I make payments and it doesn't update. Saying payment is still due. I'm not happy with this issue. I called and spoke to someone named XXXX from capital one and she was not helpful. I make my payments on time and they claim they report on the 24th over month but I find It suspicious that a company took payment off of my card unauthorized causing my balance to exceed over XXXX not {$44.00}. Once I pay off my balance next week I am not using capital one ever. They will destroy your credit and not offer any type of reasonable accommodation.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with AMERASSIST plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1700.00}
Product: Debt collection

Commenity Bank has continued to call over and over every day. Today they have called 7 times between XXXX and XXXX. I answered twice and said i'm at work and to stop calling but instead they just call from a different number. I completely forgot about the payment and intend to pay the bill in full when I get paid but the harassment is out of control and for a bill that is under {$250.00}. I've also received 2 text messages today as well. And if you try to call them back they can't help you if you don't know your account number even though they've called you a ton of times to bug you.
Product: Credit card or prepaid card

Original balance was {$1800.00}. After a few months, balance was sitting at {$4400.00}. Store and finance company were in cahoot. This all started in XX/XX/2015. and up to now they still run my credit for updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote XXXX XXXX to request the removal of a negative credit remark on my co-signers credit file, due to a late-payment made on my XXXX via XXXX XXXX  loan. 

In XXXX, I reached out to XXXX asking for consideration due to a XXXX refinance pay-out not covering my loans in full, resulting in my owing to 3 different XXXX accounts XXXX All of this happened at a time in which I was XXXX XXXX XXXX XXXX XXXX XXXX my spouse losing her job and my cosigner being out of the country on business ( all of which I reported to XXXX and was assured was being taken into account ). 

On XX/XX/XXXX, I wrote to XXXX again to ask for consideration due to owing so much for those first few months but was told there was nothing that could be done, in fact an agent mistook me asking for " full loan forgiveness '' due to my XXXX, which I never requested. XXXX company policy outlines that a negative remark will not be filed on any late payment made less than 30 days past due. I had confirmed this with a customer service representative on the phone in early XXXX, who told me that I had until the end of XXXX to make a payment before a credit report would be filed. I was assured that a payment made before XX/XX/XXXX, for a XX/XX/XXXX payment, would keep me from being reported as delinquent. I therefore made a one-time payment on XX/XX/XXXX, in order to avoid being reported on the XXXX payment. 

On Friday, XX/XX/XXXX, while recovering from XXXX, I received a panicked call from my co-signer that her credit had tanked due to a late payment re : this account. I immediately made the payment, in full, and brought the account date so it would not hit another late period. I then touched base by phone with XXXX to ensure receipt of the payment and to ask for grace regarding the negative mark on my co-signers credit. The XXXX agent told me that the negative remark was irreversible. 

As of XX/XX/XXXX, my account was completely up to date and I also made the XXXX payment early, as a sign of goodwill. In guidance with company policy, my XXXX payment was made weeks before the 30 day late remark period, which would be XX/XX/XXXX according to the above referenced conversation with a customer service rep in early XXXX, and should not have been reported as past-due On XX/XX/XXXX, XXXX emailed me that they were glad they were able to fully resolve your issue. This email was in response to a formal letter requesting the deletion of a negative remark XXXX made on both my own and my co-signers credit report. Earlier on XX/XX/XXXX I had a very unpleasant conversation with a customer service representative who yelled at me. Considering this, I was confused by the email in question sought clarification on the issue. 

The goodwill letter that I sent was sincere XXXX, in its request, but I felt the email received on XX/XX/XXXX, in reply was confusing, as it does not actually take my query into account specifically as my issue has not been at all resolved. I am also mailing a letter to the CEO of XXXX to discuss the treatment I received from the various customer service agents.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$1300.00}, {$18000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX  and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I have attached my FTC report via XXXX file concerning these fraudulent accounts. Im resubmitting because I forgot to attach My ID and social security card
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX Last XXXX SS XXXX Attention XXXX XXXX XXXX XX/XX/XXXX To Whom it May Concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 
The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found, please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 
Sincerely yours, XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX seeks relief from Ameris Bank in hopes to rescind the seizure of assets under the guise of a Writ of Garnishment against XXXX XXXX XXXX ( XXXX XXXX XXXX, Florida, Case number XXXX ). 

The assets seized, yet to be dispersed, consist of a joint checking account at Ameris Bank under the names XXXX XXXX XXXX and XXXX XXXX XXXX ( Ameris Bank account XXXX ). 

We believe that Florida Statute Chapter 77 prohibits the seizure of joint account unless both parties are the defendant in said writ of garnishment. 

The writ of garnishment names defendant XXXX XXXX XXXX and XXXX XXXX XXXX alone. 

This account should be released immediately to limit further damage to XXXX XXXX XXXX, specifically a check to the Internal Revenue Service which is presently frozen in said account. 

Bank officials, specifically XXXX XXXX XXXX, Ameris Bank, XXXX, Corporate Counsel, defend the inclusion of XXXX XXXX XXXX 's inclusion in Ameris Bank 's response to the writ of garnishment. 

Thank you for your time. 

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

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still account that need to be DELETED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureau to validate these accounts ( A ). I hope these disputed accounts are updated. 

DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX XXXX : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance XXXX {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance XXXX {$0.00} Date XXXX : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX 31
Product: Checking or savings account

Checks were mobile uploading cash and fees accessed to my former account.. unsure of the actual date but approximately XXXX  XXXX.
Product: Debt collection

I have received a telephone call from Collection Service, Inc today at my job. I have asked this company numerous times before to not call my job and I have also filed a complaint about this before. They are still calling. The lady that called me today was XXXX XXXX. I have written a letter to this company stating that this debt was being reported in error and in violation of the Medical Debt Relief Act. I sent this letter XX/XX/, 2018 -- DOS was XXXX XXXX, 2018. I have a copy. They did not respond but continue to harass me at work. The proper practices and procedures are not being followed. I want the harassment to stop and the proper procedures to be followed. This debt should not be being reported on my credit and should not have been sent to collections within 6 months of service date. The original creditor is XXXX XXXX. How many times do I have to file a complaint about this same company for something to be done and the law followed?