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

This all started about XXXX 2017 ... .I reported my incident to the NJ Banking and Insurance Commission , who refered it to Offiice of the Comptroller of Currency who in turn referrred me to your agency .... 

Yup ... .I have been getting the run around. 

However this is what occurred .... 
I contacted XXXX XXXX XXXX XXXX and spoke with their card representatives on 2 occasions and advised them that that I was trying to increase my credit standing with XXXX XXXX who was represeenting XXXX XXXX on a promotional credit card purchase with XXXX XXXX in XXXX XXXX NJ. 
At the same time I also advised the representative that we were going to decrease my balance at XXXX XXXX ... so that it would not illustrate a high balance on XXXX XXXX card which is also with XXXX XXXX XXXX XXXX. 

On both occasions I was advised by XXXX XXXX representatives that if I decreased or closed XXXX XXXX account which I did not need any more and wanted to increase XXXX, if would be possible. I called on XX/XX/2017 to establish the new credit rating for XXXX-XXXX  XXXX XXXX as I only needed {$700.00} more added to my existing {$3500.00} to make the carpet purchase ; speaking with the representative, I was denied ... I dont understand if two representative tell me that it can be done and then I implemented what they told me to do, then why was I denied ... 

I closed out {$2000.00} of credit on XXXX XXXX synchrony accont and wanted to increase XXXX by {$700.00} and was denied with the same banking institution XXXX XXXX?. I provided my salary of {$180000.00} also. Please help as this is NOT fair ... You can ; t tell the consumer one thing and then turn around and hurt them when you comply with their instructions ... 
It 's very simple I want or need or was advised that I could increase my credit on the XXXX-XXXX credit card at XXXX XXXX by {$700.00} if I closed or dropped the {$2000.00} credit line at XXXX  XXXX ... 
It all makes sense but the Bank DENIED it after the representaievs at the bank advised it could be done? DAH
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report.

I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above.

Under the FCRA, unverified, invalid accounts must be removed.

If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within XXXX calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! 
The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received my credit report and noticed that there was multiple inconsistencies reporting on this report. I then sent a reinvestigation letter to Experian, XXXX and XXXX requesting that a thorough investigation be conducted regarding the inconsistent and inaccurate information unjustly being reported within my credit profile. The following accounts was called into question ; 1. XXXX XXXX  : Account # XXXX 2. XXXX  XXXX : Account # XXXX 3. XXXX  XXXX XXXX : Account # XXXX 4. XXXX XXXX : Account # XXXX 5. XXXX XXXX : Account # XXXX 6. XXXX XXXX : Account # XXXX and/or XXXX XXXX 7. XXXX XXXX : Account # XXXX and/or XXXX 8. XXXX XXXX : Account # XXXX and/or XXXX 9. XXXX XXXX : Account # XXXX and/or XXXX 10. XXXX XXXX : Account # XXXX and/or XXXX 11. XXXX XXXX : Account # XXXX and/or XXXX 12. XXXX XXXX : Account # XXXX and/or XXXX 13. XXXX XXXX : Account # XXXX 14. XXXX XXXX : Account # XXXX and/or XXXX 15. XXXX XXXX : Account # XXXX and/or XXXX 16. XXXX XXXX XXXX XXXX XXXXXXXX 17. XXXX  : XXXX 18. XXXX  : XXXX I waited fifth teen days to see if my credit report was updated to reflect an investigation. This was absent. I then awaited the complete thirty ( XXXX ) day to receive a response. Experian still did not follow the law and respond. 

Relative to this submission, I highlighted that the above accounts failed to show XXXX percent accuracy across the board with all three credit bureaus. See : Exhibits from Credit report. 
XXXX removed some of the accounts. XXXX and Experian failed to throughly investigate the claims and respect my constitutional rights to the concrete law of FCRA. 

In relation to several accounts being opened past XXXX ( XXXX ) years, the closed accounts wasnt matching XXXX XXXX, derogatory accounts didnt match, payment history didnt match, dates of open accounts didnt match, amid more. See : Exhibits from Credit report. 

However, Experian chose to ignore my constitutional rights by failing to provide me with timely correspondence demonstrating that a thorough and complete investigation was conducted. 

* This entity failed to address and/or update my credit profile to ensure that my constitutional rights to a fair credit assessment was duly protected. 

* This credit bureau failed to document and enlighten me that an investigation was being duly conducted. 

* This credit bureau further failed to correct this inaccurate report. 

In light of the above, I charge that the entity of Experian and the staff associated with this company deliberately violated a multitude of my constitutional rights and shall be duly held accountable for such transgressive actions. The following violations are : 15 U.S. code 1681 ( d ) ( a ) ( 1 ) ; 15 U.S. code 1681 e ( b ) ; 15 U.S. code 1681 i ; 15 U.S. code 1681 i ( 2 ) ( A ) ; 15 U.S. code 1681 i ( 4 ) ; 15 U.S. code 1681 i ( 5 ) ( A ) ( i ) ; 15 U.S. code 1681 i ( 6 ) ( i ) ; 15 U.S. code 1681 i ( 6 ) ( iii ) ; 15 U.S. code 1681 i ( 6 ) ( iv ) ; 15 U.S. code 1681 i ( 6 ) ( v ) ; 15 U.S. code 1681 i ( 7 ).
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer SSN:XXXX Consumer DOB : XX/XX/ I am writing to file a formal complaint against Lexis NexisXXXX XXXX and XXXX regarding their handling of a fraudulent bankruptcy entry on my credit report. This entry is the result of identity theft, and despite my efforts to resolve the issue directly with the credit reporting agencies, the problem persists unresolved. Below are the details of my complaint : Identity Theft Incident XXXX. Nature of Fraud : An unauthorized bankruptcy was filed in my name without my knowledge or consent. XXXX. Date of Discovery : XXXX XXXX  XXXX. Impact : This fraudulent bankruptcy entry has severely damaged my credit report and financial standing, affecting my ability to obtain credit and maintain a positive financial profile. 
Actions Taken XXXX. Reporting the Incident : I filed an identity theft report with Federal Trade Commission ( FTC ) ] Report Number XXXX 
I have submitted a personal statement to the credit bureaus detailing the identity theft and requesting the immediate removal of the fraudulent bankruptcy entry. 
XXXX. Dispute with Credit Bureaus : I have disputed the fraudulent bankruptcy entry with Lexis Nexis, XXXX and XXXX under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, which mandates the blocking of information resulting from identity theft within four business days.

I have notified the credit bureaus that I am opting out of information sharing and withdrawing any consent for the reporting of this fraudulent bankruptcy. 

Issues Experienced XXXX. Lack of Response and Action : Despite my disputes and identity theft report, the fraudulent bankruptcy remains on my credit report. Negligent Violation under 15 usc 1681o.

The credit bureau has not removed the fraudulent information in a timely manner, as required by 15 U.S.C. 1681c-2. This section of the FCRA requires removal of such information within four business days.

The credit bureau has not provided adequate verification or a satisfactory explanation for the continued presence of the fraudulent bankruptcy entry. 
XXXX. Privacy Violations : The handling of my personal information appears to be inconsistent with privacy protections under 15 U.S.C. 6802 ( Opt-Out Right ) and 16 C.F.R. 313.7 ( Prohibition Against Disclosures to Nonaffiliated Third Parties ). My personal data has been improperly used, impacting my financial standing. 
XXXX. Non-Compliance with Fair Credit Reporting Act ( FCRA ) : According to 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information. The continued reporting of this fraudulent bankruptcy indicates non-compliance with this requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 : I sent letter to the Experian, XXXX XXXX XXXX asking them to verify the Bankruptcy and up until now, I never received any correspondence from them. I sent them a letter monthly for follow-up for several times but I haven't received anything from them nor a validation. 
XX/XX/2020 : I sent letter to XXXX XXXX to verify the Bankruptcy that has been appearing on my credit report. 
XX/XX/2020 : XXXX XXXX Responded to the letter stating that the record has been deleted because they were unable to verify the accuracy and on XX/XX/2020, I forwarded the correspondence from XXXX XXXX to the aforementioned 3 major Bureaus requesting them to reinvestigate. Now, I have not received any response from them. Please help me on this.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX {$1700.00} Late Payment : XXXX  XXXX XXXX XX/XX/XXXX {$510.00}
Product: Checking or savings account

a XXXX dollar late fee bill was chargeed an additional XXXX dollar late fee. That I didn't know about and it wasn't listed in my bill total when I paid the total bill of XXXX on XXXX XX/XX/year> And I don't think that a late fee can generate a 100 % late fee from itself without ever even showing a neg balance in any acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a total of 7 loans through PHEAA /Fed Loan Servicing totaling {$32.00}, XXXX these accounts were closed and transferred to XXXX XXXX XXXX . The same loans are being reported by XXXX XXXX and PHEAA, the last delinquency on these accounts was in XXXX, and in XXXX they were transferred to XXXX XXXX. The total amount of student loans that should be listed o my credit report should be {$62000.00} and not {$94000.00}. If this is not corrected, I will take this matter to the state representative office and contact a lawyer. 

*** The amount of " NOT '' be listed on my credit report for {$32000.00} for these 7 accounts have been transferred to XXXX XXXX  for servicing. 

Both XXXX XXXX and PHEAA  Loan are reporting the same loans and that is illegal to report the same accounts twice to the credit reporting agencies. 
ic Please remove PHEAA ( FedLoan Servicing Center ) from my credit report file. Please see the attached documents,
Product: Debt collection

I mailed a validation of Debt letter to Resurgent Capital services on XX/XX/22 which they received on XX/XX/22. In my letter i asked for verifiable documented proof that i owe this alleged debt to Resurgent Capital Services along with a signed contract between me and the original creditor and a signed contract between me and Resurgent Capital that grants them authorization to collect this alleged debt, which they did not produce. Therefore, this alleged debt has now been validated and is reporting on my consumer report inaccurately and illegally. They are also in violation of the following laws which i will be seeking {$1000.00} per violation : 12 CFR sec 1006.34 ( c ) ( 5 ) ( i ) 12 CFR sec 1006.34 ( c ) ( 2 ) ( viii ) - No itemized breakdown of the current amount of the debt provided.

12 CFR sec 1006.34 ( c ) ( 3 ) ( i ) - ( iv ) - INFORMATION ABOUT CONSUMER PROTECTIONS 12 CFR sec 1006.34 ( c ) ( 4 ) ( i ) - ( ii ) CONSUMER RESPONSE INFORMATION 12 CFR SEC 1006.34 ( d ) ( 1 ) FORM OF VALIDATION DISCLOSURE
Product: Mortgage

I recently refinanced to a loan with Loan Depot, XXXX XXXX XXXX XXXX Tx. XXXX. Loan Depot never sent me my statement the first month I was with them. I called in on XX/XX/2016 to get a statement. Loan Depot sent me a statement and I made my payment over the phone. I called back XX/XX/XXXX and XX/XX/XXXX to make sure payment was received because I did n't see it come out of my account. Both times, I was reassured that my payment went through and posted. My payment did not post due to a wrong account number and I was charged a fee for this. I called in multiple times to confirm that payment went through and was reassured both times that payment went through just fine.
Product: Checking or savings account

I am submitting a formal complaint regarding multiple overdraft fees charged to my account by Navy Federal Credit Union. Despite having sufficient funds available at the time transactions were authorized, I was still assessed fees due to delays in the posting of charges and credits. This situation mirrors findings from the CFPB regarding similar practices by Navy Federal, where transactions settled with insufficient balances despite initially having adequate funds. I find these practices to be unfair and request a thorough investigation into the transactions on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score from the three major reporting agencies are XXXX, XXXX, XXXX. How can XXXX XXXX justify a rating of XXXX? Because they make up false information on the people so that they can help XXXX XXXX hopefully make more money on their auto loans. 

Limited history at address : I am in the process of moving to this location. I told that to the XXXX   people at XXXX when I purchased the car. I've been at my previous address for over 20 years and at the address prior to that for over 10 years. 
Not enough debt experience - I usually pay CASH, is that a crime? 
Total Account balances? 
Limited history at this Phone : 20 years on one phone and 10 years on the other. How XXXX is that? 

XXXX XXXX, ( XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX ) and XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX, XXXX ) are co-conspirators to defraud the public by providing wrong and or misleading information, so that XXXX XXXX can change the terms of the submitted auto loans so that XXXX XXXX can make more money. 

I am not sure if XXXX is also involved in this conspiracy or not, but if you look up all the complaints filed against XXXX XXXX, it sure looks like their might be a lot of auto dealers also involved as well as XXXX XXXX, for sure.
Product: Debt collection

Dear Sir/Madame : I am a victim of the company Encore Capital XXXX XXXX XXXX XXXX and I do not know who I can talk to or what I should do. 
Last month my payroll dept garnish my pay because they had a copy of a court order stating I lost a lawsuit involving XXXX XXXX and this law case against me for over {$12000.00}. The court document had my name but my mother 's address XXXX. This judgement was date in XXXX. I had lived XXXX since XXXX until last year when I came XXXX to care for my terminally ill mother in XXXX. I have now taken a job XXXX but I know nothing about a judgment or that I was being sued in XXXX. I now learned that this judgement has been on my credit report all this time. I talked to XXXX XXXX and they have stopped the garnishment but will not tell me how this all happened or what my rights are. I called the law office XXXXbased Encore Capital Group and they only said that the bill is with XXXX XXXX. I have burial bills and so many other bills to pay off since I quit my job XXXX to come XXXX to help care for my mother! I can not go through being garnished again!!! and I do not even know why I was sued. I have had a XXXX XXXX credit card and money market account with XXXX for over 10 years. If XXXX XXXX wanted to sue me they had my address XXXX! And owing {$12000.00}. The credit limit on my XXXX XXXX credit card is about {$1200.00} not nothing close to {$12000.00}. Please tell me who I can talk to 1 ) TO MAKE SURE I DO NOT GET GARNISHED AGAIN ; 2 ) WHERE THIS JUDGMENT CAME FROM AND HOW TO FIGHT IT ; 3 ) HOW TO GET IT OFF MY CREDIT REPORT ; 4 ) Do I HAVE ANY RIGHTS IN THIS MATTER. Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

# XXXX XXXX XXXX XXXXXXXX. 

# XXXX XXXX XXXX XXXX # XXXX 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 602a states : I have the right to privacy.

15 U, S.C 1681section 604a section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

Receivables Performance placed a collection account on my credit bureau reports for a bill from XXXX XXXX. This was for an XXXX I purchased from XXXX XXXX. I returned the phone and cancelled the service within the 14 day return period. I have a receipt for the returned phone. I contacted XXXX XXXX several times and was assured the issue was taken care of. However, I continued to received bills. Then on XX/XX/23, this collection account showed up on my credit reports. I contacted Receivables Performance to dispute the charge and was advised to email them my receipt for the returned phone, and I was advised it would take 48 hours for them to review and correct this. On XX/XX/23, I emailed the receipt to : XXXX. I received no response within the promised 2 day timeframe. On XX/XX/23, I called Receivables Performance and spoke to an individual in the " Escalations Department '' who advised he was was unwilling to search through the " hundreds '' of emails they receive, and moreover, that there was nothing they could do about it. Instead, he attempted to get me to pay. I am NOT interested in paying for an item I returned. The reference number given by Receivables Performance is 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries XXXX5 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

Some one used my information try to get Cridit card so start running the Cridit often I lost 18 points XX/XX/XXXX. Experien And XXXX
Product: Credit card or prepaid card

We have a balance of {$3800.00} on a Citi XXXX credit card. This account was closed by us on XX/XX/XXXX. Intrest on this account is still being charged at 15.5 % for the last 18 months. I have been advised that credit card companies should not charge interest on a closed account. I called Citi on XX/XX/XXXX to ask the to freeze the interest on this account. They informed they do not freeze interest, with no further explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed complaints about the misuse of my personal information to local authorities. I also contacted the FTC and complained. I was issued an FTC Report # XXXX The following accounts must be removed from my credit report because it is fraud. 
XXXX XXXX ( 2 Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I noticed a bunch of hard inquires on my credit report that is an accurate i have send over 2 pictures of them so you guys can see. I got a total of 8 hard pulls 4 from transunion and 4 from XXXX i have sent the you the pictures below they are all inaccurate. I would like them all removed from both companies listed above, XXXX and any other credit reporting service. If you have any questions please call me. I did apply for any of these things or deal with these companies. I just want to fix up my credit so it is accurate thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 I sent a letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and XXXX have gotten into the hands of the wrong person