23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/XXXX, my account was fraudulently accessed and used. After I became aware of this, I contacted JCPenney Credit Services/Synchrony Bank to report that I did not use my account at any time during the month of XXXX. I was assured that I would hold no liability for the fraud because the bank has zero fraud liability. 

When the fraud was discovered, the account ( 1st account ) was closed and a new account ( 2nd account ) was opened. JCPenney Credit Services/Synchrony Bank transferred the balance I owed from account 1 to account 2. The balance transferred was XXXX. This should be the balance reported to the credit bureau however Synchrony has reported a balance of {$1500.00} which included fraudulent charges and interest charges on those fraudulent charges. JCPenney Credit Services/ Synchrony Bank knowingly reported inaccurate information to the credit bureau XXXX 

I was recently notified that JCPenney Credit Services/Synchrony Bank closed the second account due to two payments that were returned. Those payments were part of the fraud. I NEVER made those payments. The closure makes no sense. I owed a balance of {$560.00}, why would I make payments in excess of {$1000.00} to the account? They knew I owed only {$560.00} because they transferred that balance to the new account. Someone should have seen the activity on this account and questioned it BEFORE closing my account especially since one of the payments was made after the fraud was reported. The fraud payments are : a. XXXX XXXX b. XX/XX/XXXX XXXX JCPenney Credit Services/Synchrony Bank closed the second account in error and reported to the credit bureau the account was closed by grantor with a balance owed at {$1500.00}. The closure of this account and its reporting has adversely affected my credit file.
Product: Debt collection

On Sunday, XXXX/XXXX/XXXX, I received a credit alert from XXXX  and XXXX that a new collection account has been added to my credit records. I have no knowledge about this alleged debt, did not receive any notification surrounding this debt, etc. Therefore, I am requesting the company that reported this account, EASTERN REVENUE INC, remove the negative reporting from my credit records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the accuracy of this account on XX/XX/XXXX with Experian. Upon their investigation on XX/XX/XXXX a duplicate XXXX account popped up on my report. I called in to notify them of the duplicate account. When she checked the report she removed ome of the accounts and when she removed the duplicate account she removed the account that reported the history from XXXX up until the charge off in XX/XX/XXXX. This account that she left on here is showing a completely different payment history than the one that was reporting since XXXX. Experian refuse to fix their mistake and remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint, I have not heard anything on the status of my complaint. My complaint is that I cleared up all of my negative collections on my credit reports and XXXX went up 57 points and Transunion made a mistake and dropped it down 57 points. I called them and explained to them over and over and they just tried pushing me to get credit monitoring and than charged my credit card for XXXX for something they said was free for a month. I have talked to so many people and instead of fixing their mistake they keep giving me the run around. There is noway my score went up one one report and than down on another that many points for clearing up all of my negative items. I cant seem to find a way to contact the CEO of this company or even talk to someone that can fix someones mistake. I am at a loss of what to do. I filed a complaint a week ago but have not heard a thing on what is going on with it. I am not sure what to do at this point. This is beyond ridiculous that they wont even admit their mistake and I have to pay the price for it. I have worked hard to get my credit score up and now because of their mistake I am worse off than I was before I cleared it up. Please help me with this matter.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  / XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 7. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please review attached 1099C that was accepted by the IRS. Debt has been discharged & paid. PER IRS THIS IS TREATED AS INCOME, THEREFORE, IT SHOULD NOT BE REPORTED ON MY CONSUMER REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX they are reporting inaccurate information to the credit bureaus and I want them to correct it. Last activity was XX/XX/XXXX but they were reporting me as Charge Off from XXXX thru XX/XX/XXXX. I am in the process of closing on a home and because of this my credit score is being affected.
Product: Mortgage

Our loan was transferred to another company during the loan modification process ( XX/XX/2022 ). Now, they are moving up back in the process by denying paystubs saying there are not dates visible or company name visible or even deductions visible. I resubmitted the exact same PDF and they accepted them and moved the process forward and then two days later declined the paystubs again after sending a letter saying the paystubs were accepted. We have called and asked what needs to be done. They have told us to talk to our point of contact, but we can't get ahold of the point of contact. The number is just the toll free number and it goes to everyone. We can't get a definitive answer on what we actually need to do to move the process forward for the loan modification.
Product: Debt collection

I was challenging a bill with my insurance company, XXXX XXXX, and had an escalation in place. I received a phone call stating that the " escalation had been resolved '' and the company was sending me a letter of resolution. However, I never received the letter, therefore I was unaware the insurance company had decided that my request to dismiss the charge was denied. I received no further communication from the company regarding this debt until I got a letter from a collections company 6 months later. I have contacted the insurance company about this issue and even though the representative confirmed that the resolution department had the wrong address on file, the billing department wo n't pull my debt from collects until I pay. All I want is my bill removed from collections, so it does n't negatively affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  as original lender is incorrect also agency name is not listed also increasing amount owed is illegal, adding {$1.00} to amounts owed,
Product: Student loan

My loan servicer is navient. About six months ago I paid off entirely an unsubsidized loan. Furthermore I matriculated at a university and so my subsidized loans went into deferment. Today I received communication by email for the first time since the loans went into deferment, including for some reason a notification about an unsuccessful application for autopay which I never submitted as I am still a student. Even more absurd is that when I logged into my account my unsubsidized loan had a balance and the balance on other loans had increased. As absurd as that is I was not even notified about any of this. This company 's conduct is despicable.
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. 

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 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

I had my American Express account on auto pay, and like all other auto pays, I was under the impression that that would be continuous unless I decided change it. However, American Express ended my auto pay and didnt notify me that it had stopped. During this time, I had assumed my payments were going through like they were in previous months. After I saw that two late payments had hit my credit, I called American Express to figure out why. They were sending paper only updates to an old address, even though I had specifically called and updated American Express with my new address. For the past seven years that Ive had an American Express account, they had always sent notifications to my business address or my personal email so I was really confused as to why this had all stopped. I immediately reinstated the autopay and paid the late payments as well. I then started the process to lift the late payments from my credit report. To this day, all payments are on auto pay, have been in time, and the account is in good standing with American Express.

I had updated my contact info twice with Amex and the only thing i can think of is that it was never imputed.

They said i had to renew my auto pay but when they said they contacted me they had wrong emails and billing address.

I believe the missed payments were in XXXX and XXXX. I noticed it in XXXX when I saw it on my credit report. Please let me know if theres anything else I can do. I hope to hear from you soon. Thank you,
Product: Vehicle loan or lease

Dealership : BMW of XXXX Date : XX/XX/2022 I went in to trade in my vehicle to purchase a new one. The dealership agreed to pay all remaining payments on my current vehicle and put me on a new one. The dealership paid for most the vehicle expect for a {$470.00} that stayed on my account until this day where I received a collection notice that the balance was never paid. 

Keep in mind that I have been contacting the dealership for XXXX months with to check on the payment of the {$470.00} and every time they would tell me that the payment will take 1-2 week to clear but it never did because the payment was never made. 

I have all the emails and communication with the dealership saved and can provide you in writing their false promises and failure to pay the balance. 

Fast forward when I went to the dealership on XX/XX/2022, the sales manager basically informed me that they aren't willing to pay the balance and there is nothing they can do.
Product: Debt collection

Advantage Financial Services in XXXX ID had sent me a letter stating that I owed XXXX XXXX XXXX money and that they were asked to collect. I informed Advantage Financial thru email on XX/XX/XXXX as well as faxes and phone calls that I had paid XXXX XXXX in full ; I supplied copies of my bills from XXXX XXXX, my EOB 's from XXXX XXXX as well as canceled checks showing them that I had paid this bill in full. XXXX XXXX  says that I owe money from XXXX but according to XXXX XXXX it was past the date allowed to be filed and that I didn't owe this money in the amount of {$220.00} from service dated XX/XX/XXXX because they didn't send me a bill XX/XX/XXXX I don't feel that I owe this money. I had sent everything that I am sending to you to Advantage on XX/XX/XXXX and because I never heard from them I was under the impression that this matter was settled now here I am in XXXX and they are still showing this amount due on my credit report and calling me over a year later since I sent them the information even though they have NEVER sent me anything in the mail stating that I still owe this money since XXXX. I have tried emailing them again on XX/XX/XXXX with this information but still have not heard anything from them, I don't think that they have even looked at what I sent!
Product: Money transfer, virtual currency, or money service

Cash App closed my account in violation of their Terms and Services and have retained the funds which were stored in the account.
Product: Student loan

I am in the public service forgiveness program and now they are telling me I am not in the right repayment. It has to be income based repayment, when I went home and looked at all my papers from 2010 when I applied. I applied for the income based repayment and application I have all the supporting information. EDfinacial is telling me none if my payment will be counted towards the forgiveness. They are trying to scam me. This is ashame that they do this to students who have debt and are working hard and they do this.
Product: Credit reporting

The first complaint involving merchant XXXX XXXX XXXX and XXXX XXXX XXXX Experian Credit Reports produced results as follows : ( 1 ) CFPB assigned complaint number XXXX and did make contact eventually with the above-mentioned credit reporting agencies ; ( 2 ) On XXXX/XXXX/2016 merchant XXXX XXXX XXXX only acknowledged the above-mentioned complaint as an 'inquiry ', wrote consumer that contact was made with appropriate consumer reporting agencies and ask them to " Remove the dispute message that appears on your credit file '' ; On the same date correct information and restored FICO score resulted on consumer credit report ; ( 3 ) On XXXX/XXXX/2016 merchant XXXX XXXX did 'knowingly, willfully, and fraudulently commit the same violation as previous complaint by removing the revolving credit value from consumers credit card with XXXX balance and purposely replaced the PAID status with that of UNKNOWN. This scheme is repeating itself in a manner that deserves elevation to congressional level.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint with Experian credit in regards to an account listed on my report with XXXX XXXX XXXX. 
The account # 1 shows as an installment loan. Of which it was not but a car loan. 
# 2 it shows charged off and has multiple late pays that are continuously reported each month on my credit report. 
The loan associated with this account was paid in full in the year XXXX by the insurance company since the vehicle was involved in a comprehensive claim due to hurricane damage. 
The company is falsely reporting the loan as a charge off. It is incorrectly reporting a balance due. And causes my credit report and score to decrease each month by reporting a past due amount on a closed account. 
Experian reported that the dispute had been handled on XX/XX/XXXX and that the company verified the reporting information and therefore no action was taken. How can I have this matter resolved if the credit bureau does not properly investigate the inaccuracies?
Product: Debt collection

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and  Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.

The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did.

Your failure to delete the disputed accounts that you can not verify after two written  requests is also evidence of your willful disregard of Federal Law.

When we go to litigation, through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. I request that you do this immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I DEMAND that you delete ALL the accounts listed below IMMEDIATELY. 
Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 


{ XXXX XXXX } Name of Account PORTOFOLIO recovery XXXX
Product: Debt collection

Continental Finance Company , LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX I am writing to formally request validation of the debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXISNEXIS BROKE THE LAW!!!!! 

LexisNexis is in violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

LexisNexis has disclosed my nonpublic personal information to a nonaffiliated third parties. LexisNexis has provided XXXX, XXXX, XXXX, and XXXX with information on me without providing me with disclosure in writing or electronic form or other form permitted by the regulations prescribed undersection 6804 of this title. LexisNexis has not given me time that such information is initially disclosed, to direct that such information is not disclosed to such third party. LexisNexis has also failed to give me an explanation on how I can exercise that nondisclosure option. 

I gave LexisNexis two opportunities to correct the above-mentioned violation since XX/XX/2023. LexisNexis had over 30 days to correct these violations. My rights have been violated. To correct each violation, means remove all items/information LexisNexis has collected on me as LexisNexis does not have my consent and never had my consent to collect information on me nor provide that information to third parties. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. I gave LexisNexis over 30 days to remove the file LexisNexis has created on me without my consent. As of today, LexisNexis has removed XXXX records from the LexisNexis Report created by LexisNexis on me. Deletion is admission. LexisNexis still has not removed the entire file they created on me. LexisNexis continues to move in negligence and LexisNexis is liable. I am asking the CFPB to step in and help resolve this matter of negligence and continued wrongdoing of LexisNexis to me.
Product: Credit reporting or other personal consumer reports

Company reports account as a status of charge off/ written off and based on this reported information, I never received proper forms for accurate filing of my taxes. The funds claimed to have been written off is transferred to income per IRS procedure and is still reporting to my credit. That amount is income and violates FCRA guidelines and rules