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

LexisNexis reported wrong credit information to my XXXX XXXX. I called LexisNexis twice and I emailed them to get a copy of the report they summitted with wrong information ( XXXX Reference # XXXX ) and my must recent credit report that I am entitle to see. They have denied both reports even when I have provided all my personal information including SSN, Date of Birth, Address, etc. 

They always claim that they need more information from me and because of that, they are not able to process my request. The information that they are requesting on the letter sent on XX/XX/2022 I have already gave it to them. 

Their inaction to provide me with these reports are costing me more money due to an increase of insurance premium due to their negligent action of summitting a report with wrong information and not taking action to provide me with these XXXX reports so I can fix it. 

My consumer number is : XXXX. 
My Case number with LexisNexis is : XXXX. 
The XXXX reference number from the report with wrong information is : XXXX. 

Thank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA XXXX XXXX # XXXX ...., has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15USC 1681 Section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681a - Definitions ; rules of construction Exclusions except as provided in paragraph the term " consumer report '' does not include any report containing information soley as to transactions or experiences between the consumer and the person making the report 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

I have made numerous attempts on investigations on this matter this company refuse to do there job blaming each other for inaccurate information on my credit file. I applied for A NEW credit card only to get denied into i verify my identity thought XXXX because XXXX have another person information on my credit file which is destroying my life. 
I attached all my documention I ask for my name correction they did a dispute i submitted then to reinsert it back on my credit file. Please hold these company accountable I submitted ALL the proof I need to fix this situation and it still not fix XXXX even went as far as not inserting my credit card thats in my name on my credit file and removing my score ALL TOGETHER FROM INFORMATION LEXISNEXIS IS PROVING.
Product: Credit reporting or other personal consumer reports

please delete all the negative accounts now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account balance : {$0.00} Date of account open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account balance : {$2400.00} Date of account open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account balance : {$0.00} Date of account open : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account balance : {$0.00} Date of account open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account balance : {$620.00} Date of account open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : {$420.00} Date of account open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account balance : {$15000.00} Date of account open : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account balance : {$2400.00} Date of account open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a student loan through the servicer XXXX, opened in XXXX, which I paid off and closed XX/XX/XXXX. My monthly statements began in XX/XX/XXXX. I paid above the minimum payment every month until account closure. My credit, however, does not show the correct information for either Transunion or XXXX. 

With XXXX, this loan is not shown at all. I have had incredible difficulty submitting a dispute or contacting XXXX, and so have not had any contact with the company at all. I attempted to call XXXX at the number listed online ( XXXX ) on XX/XX/XXXX -- whoever answered asked me very personal questions, including my full home address and full SSN. He also texted me a verification code and asked that I give him the number. I stated that that behavior was strange, and I was nervous about being scammed. He said, " I need this information to verify your identity ''. This seemed very odd, so I hung up and have not tried again since then. 

With Transunion, I have submitted two disputes. At first, the loan showed at full balance, no payments, as of XX/XX/XXXX. I submitted the first dispute on that date, providing screenshots of payments and {$0.00} balance. The results of that dispute, ready XX/XX/XXXX, still led to inaccurate reporting -- the loan showed as closed, with payments of {$0.00} made from XXXX. I submitted the second dispute on XX/XX/XXXX to argue against these changes. The results from the second dispute, sent on XX/XX/XXXX, stated that the published information was correct and would not be changed. 

I called XXXX on XX/XX/XXXX to state that my payments were not being accurately reported to the bureaus. The representative stated, " There is no credit reporting on this account. You should reach out to the credit bureaus, '' and that there was nothing to be done on XXXX 's side.
Product: Checking or savings account

So based on my online statements the fraud initially started around XX/XX/XXXX, in a form of payment to an account in XXXX in the amount of {$100.00}, also for the same amount on XX/XX/XXXX, on XX/XX/XXXX there were 3 fraudulent charges, two to XXXX XXXX  which amounted in {$350.00} and then the XXXX to XXXX on the XXXX it was another XXXX to XXXX. It continues with a total of {$650.00} made to XXXX which I have no account to. Throughout XXXX the increments continued to get larger from {$100.00} to {$250.00} to {$500.00} until I had under the threshold in my bank. That is when my bank alerted me that something was wrong which was on XX/XX/XXXX when the fraud took over $ XXXX out of my account. the bank said they denied my dispute because I have a history with XXXX  but I continue to tell them that it wasn't me. I believe the deposits from XXXX were intended to keep me from being aware of what was going on in my account. There were two separate deposits one for 1k and another for {$900.00} To this point, nothing was flagged or deemed suspicious to my bank 's eye, which is PNC. I also take part responsibility for not checking in on my account on a daily but I feel like my bank should alert me of suspicious activity on my account instead of alerting me when my account is under the threshold. That's the only reason I would have found out and done the dispute. The bank is telling me I am responsible but never alerted me of anything suspicious. I think PNC is a good bank and I didn't want to have to go this route but I was left with no other option. I hope all is continued once this gets settled, I'd like to stay with the bank.
Product: Checking or savings account

Follow up response to Consumer Financial Protection Bureau Compaint ID # XXXX and XXXX. 
Chase was negligent in NOT properly verifying 3 fraudulent call claims and negligently deposited {$2800.00} in my daughter 's account. She reported she had NOT made these calls and that they WERE FRAUD. Her account and she were a victim of THEFT as her card was STOLEN and USED FRAUDULENTLY and WITHOUT ANY AUTHORIZATION from account owner. CHASE is responsible for this entire incident. Chase personnel were negligent and it even appears a Chase employee was apparently involved. CHASE responds the same language " we confirmed the caller was properly authenticated '' .. CHASE does NOT provide ANY PROOF. That is a lame response. I want voice recordings, how did CHASE " confirm '' if you do not have a voice recorded conversation. We filed police reports as this was A THEFT and FRAUD incident. Chase is just sweeping the issue under the rug and making us responsible for their own negligence. Depositing on 3 repeated occasions funds into an account WITHOUT APPROPRIATELY VERIFYING. YOU SHOULD HAVE IMMEDIATELY CALLED THE ACCOUNT HOLDER. ESPECIALLY AFTER THREE FRAUDULENT CALLS THAT A DEPOSIT WAS MADE AND FUNDS WERE NOT REFLECTED. REALLY, THREE TIMES!!! AND CHASE DOES NOT CALL????? 

NEXT, MY DAUGHTER WAS NEVER ON MY OWN ACCOUNT from which you removed funds to cover the overdraft caused by Chase negligence. How can you take funds from someone else 's account to cover the shortage when she is NOT listed on this account. ALSO, I AM NOT LISTED ON THE STATEMENTS. CHASE personnel would NOT SPEAK TO ME WITHOUT my Daughter 's authorization on this issue on HER ACCOUNT. CHASE WRONGFULLY removed funds from my account. CHASE owe 's me {$2800.00} that they incorrectly and unjustly took from my account to cover their OWN ERROR and NEGLIGENCE!!! If anything I was a custodial guardian on the account until she was XXXX. After which the account became hers and all statements sent were addressed ONLY to HER NAME. MY STATEMENTS were addressed SOLELY TO MY NAME!!!! 
CHASE needs to provide the voice recording of the caller. PROVIDE PROOF of how they can CONFIRM they AUTHENTICATED the THIEFS who called. Chase responses are very vague and are only trying to get away with having their customers pay for THEIR OWN PERSONNEL 's BLATANT ERRORS and NEGLIGENCE!! CHASE assisted a THIEF to commit a fraudulent crime with a debit card because THEY DID NOT Properly identify a caller. What bank in their right mind deposits {$2800.00} to an account just because someone calls in to claim their deposit was not reflected???? 
Chase is NOT owning up to their negligence and putting the burden of proof and burden of loss of funds on the part of their customer who was a victim of theft and fraud!!!!!
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; Child Support Date Filed/Reported : XX/XX/XXXX  Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Nu World Title LLC XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX dispensed XXXX cash of the sale of the property that was deeded from XXXX XXXX and XXXX XXXX XXXX ( XXXX ) to XXXX XXXX and XXXX XXXX without due dilligence to check there is a lawsuit and lien filed in NM against XXXX XXXX and XXXX XXXX for XXXX. XXXX doonot look under XXXX XXXX XXXX the second judicial district court did not index XXXX XXXX in the XXXX XXXX XXXX, however XXXX  XXXX is indexed, however she used XXXX XXXX when she closed and then the name was crossed out and corrected to XXXX XXXX at closing. It is negligent to not ask if the " sellers '' had a lawsuit in NM before dispensing cash. XXXX  XXXX XXXX and XXXX are suing them, and they want to come against our residence for a fraudulent " modification '' refinance that they did in XXXX to XXXX without our permission and knowledge. WE paid the arrearages and all closing costs when we bought our residence in XXXX because the sellers " borrowers of XXXX '' said they were destitute, to find out they bought adn sold over 5 properties in XXXX, reason why we suied them in XXXX XXXX  and balloon payment was annuled and they had to bring the account current, they did not fulfull theiur obligation signed and settled in court and cause an action in nm in XXXX. It looks like the bank only sent XXXX to the court registry abnd about another XXXX are embezzled betwee banks and borrowers. We were contacted by HUD to make a fraud complaint, and done. The. borrowers had no business ecumberring a property they did not have equity standing and then bail. 
the bank missed collecting from XXXX in the sale of this home with the XXXX  company cash funds. 

XXXX XXXX and holthus and XXXX  XXXX XXXX have no business extorting a XXXXXXXX XXXX ( XXXX ) lady with a XXXX and misaappropriating funds that were destined for the payment of th eoriginal XXXX loan. These people caused a mess and duress and emotional physical and economical harm to an innnocent purchaser of value. 

What kind of " title service " this companies are doing " and what kind of abuse are tehy willing to exert on a fragile woman like my mother, and I, to jsut find a " scapegoat '' to their negligence. 

Please collect from the responsible parties on the properties and assets that your " borrowers '' possess and can encumber.
Product: Credit reporting 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 investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax continue to say that the account was removed and not reporting but the account is showing in the closed account status. It needs to be removed completely. The collection agency has informed them of this. REMOVE IT COMPLETLEY!!!!!! 

The is a fraudulent inquiry on my account also. I have not applied for any credit. Remove XXXX XXXX INQUIRY ( DATED XX/XX/year> ) FROM MY CREDIT REPORT ALSO.
Product: Mortgage

Real Time Resolutions is showing a debt on my credit report for a property that was foreclosed on in 2010. I spoke with a lawyer yesterday and they said that the statute of limitations in the state of South Carolina is three years and this debt collector no longer should be affecting my credit score. They should also not be seeking payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

In accordance with the Fair Credit Reporting act.

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Last 4 of card number 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 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 or other personal consumer reports

XXXX fails to provide me with my credit report details or allows me to proceed further with dispute details and/or submitting additional documents pertaining to already opened or new disputes. 
Upon requesting access to my credit report... information provided by XXXX comes up blank. No options to access dispute center and/or to submit relevant information pertaining to negative information and/or compromised accounts. 
XXXX has no records of my credit history that spans from XXXX and listed oldest account since XXXX. 
XXXX lists XXXX negative accounts, but won't provide me with access/information pertaining to these account or allows me to dispute said information. 
XXXX lists XXXX account as revolving line of credit, rather than remaining balance. 
XXXX will not allow me to obtain information from previous disputes and/or update information pertaining to new disputes. Company lists oldest account dated to XXXX and has no information for me having credit accounts since XXXX. 
Experian fails to remove/amend/correct negative information on my report despite being provided ( numerous times via certified and priority mail ) supporting documents substantiating my claim. 
Experian was provided Police & FTC ID theft reports, payment history records, detailed chronological chain of events and explanation of incidents that occurred pertaining to alleged late payments, but failed to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment was made using a bank account that had been closed due to identity fraud, I remedied the payment error but it was not within 30 days of the due date because I was sick with XX/XX/XXXX. US Bank is not willing to amend the delinquency report. They stated that they have consumer protections in place if you want a deferment but I did not need a deferment since I was sick and unable to amend the payment error within the 30 days.
Product: Credit reporting or other personal consumer reports

Breaches and Authority I requested proof of the original and current " statement '' and any and all proof there has been a charge off, or not. No statement was provided and no proof of the actual charge off was provided by Navy Federal Credit Union. Per FCRA, as a federally protected Consumer, I have and am opting out of any and all authorization, I the Consumer, may have given Navy Federal Credit Union, and all three credit bureaus. either knowingly or unknowingly, either verbal or non verbal, written or unwritten, per 15 U.C.S. 6802.

Additionally, NFCU has indeed declared this auto loan a charge off, and per I.R. Code 61 ( a ) 12, when there is a charge for any indebtedness, the indebtedness is considered income.

Finally, per 15 U.S.C 6801, it is illegal to report transaction history, in accordance with the Privacy Act of 1974.
Product: Payday loan, title loan, or personal loan

I went in and got a small loan 2 weeks after receiving my loan they started calling me two and three times a day for my payment when my payment wasnt even due. Then they would leave many voicemails two and three times a day as well as calling my references two and three times a day before the 1st payment was even due
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2013 I payed and settled in full my account with SYNCB/XXXX. 

SYNCB/XXXX continue to report negative information status on this account. I have disputed this account with XXXX, XXXX, and XXXX. All parties involved have failed to protect my rights as a consumer, and continue to report inaccurate information. 

By providing false information on my credit report, this is violating my rights under Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act.
Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies, such as credit bureaus.Section 623 ( a ) ( 2 ) of the FCRA requires the furnisher both to update accounts as well as to correct those that were erroneous when submitted to the CRA.
Product: Credit reporting or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT AND THESE LISTED BELOW ARE FRUADULENT UNAUTHORIZED AND UNRECOGNIZED INQUIRIES ON MY CREDIT REPORT. I WOULD LIKE THEM REMOVED IMMEDIATELY. LISTED AS FOLLOW ( S ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have double-checked my report and still see these inquiries appearing that I am not aware of where they came from. Listed below are the inquiries ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I Request these items to be deleted on my report ASAP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Closed, Paid-Off Account from Credit Report Dear XXXX  XXXX Credit Department , I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management.

I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

Below are the account details for your reference : * Account Number : XXXX XXXX Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX Account Closed : XX/XX/XXXX, XX/XX/XXXX I FILED A FTC REPORT PLEASE REMOVE FROM CREDIT REPORT Please confirm in writing that this account will be removed from my credit report or inform me of any additional steps I need to take. 
Thank you for your time and consideration. 


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

To Whom It May Concern, I express my deep discontent and irritation toward the existence of erroneous information in my credit report. Unsubstantiated accusations without proof are intolerable. Adherence to legal requirements is crucial. Submit evidence or eliminate inaccurate claims promptly. I authorize you to promptly deliver physical documentation and an updated credit report. Listed below are the Personal Information that are being challenged : Incorrect Current Address : - XXXX XXXX  XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX
Product: Debt collection

I received a notification by the credit bureau that a debt was placed on my credit report. The debt has a date listed for XX/XX/XXXX and a debt balance of {$1600.00}. I have no knowledge of this debt whatsoever. I sent out a debt validation letter to this company on XX/XX/XXXX and have not received a response. I received a bill in the mail on XX/XX/XXXX. I requested debt validation. In response, I was sent a bill, not documents showing my signature or anything. If can't VALIDATE the debt then it needs to be removed from my credit report.