23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is the THIRD CFPB complaint I have filed against LexisNexis to correct errors in my consumer file. In response to my last CFPB complaint, LexisNexis dubiously claimed that I failed to submit sufficient evidence of my identity. To prevent any further unfounded assertions by LexisNexis regarding proof of identity, I have attached my drivers license, birth certificate, passport, social security card and cell phone bill dated XX/XX/, with my current address. I have also attached the confirmation letter from LexisNexis in response to my most recent request for a copy of my consumer file. My consumer number is XXXX. My case number is XXXX. I have also attached the applicable pages of my consumer file containing the information I wish to dispute. My full legal name is XXXX XXXX XXXX XXXX, NOT XXXX XXXX as stated in Section 1 of my report. Please see the attached documentation. Please remove the name XXXX XXXX from Section 1 of my file. Additionally, my phone number is NOT XXXX as listed in Section 1 of the report. Please see the attached phone bill. I have NEVER used the number XXXX. LexisNexis falsely claimed that this number was not listed in my file in response to my last CFPB complaint. However, the attached evidence is irrefutable. I want this number to be removed from Section 1 of my file. Finally, as previously stated, my full legal name is XXXX XXXX XXXX XXXX. Section 8 of my file incorrectly states that my name is XXXX XXXX XXXX XXXX. Please remove this incorrect name from my file. It is my sincere hope that my file will at last be accurate as a result of this complaint.
Product: Debt collection

Universal Recovery Corporation had called and left me a voicemail on XX/XX/21. Not thinking anything of it because I was never sent any notification of this debit I didnt call them back. I was curious the next day to see what this was about I called them back and the representative, XXXX, was very demanding stating they sent a letter to an address that I have not lived at in 2 years. I asked for them to send me correspondence of this debit and she refused to stating no letters will be sent. I said until proof of this debit is either mailed or emailed to me I will not be paying it. I called back and asked to speaker to a supervisor and left a voicemail for XXXX with no return phone call. I then had called again today XX/XX/21 and spoke to a representative by the name of XXXX and asked again for proof of this debit to he mailed or emailed to me because I never received any notification of this debit. He stated again we will not be sending any letters regarding this because it was already sent to the XXXX address. I said I have not live there in XXXX years so until I can be sent proof of this debit of {$150.00} I will not pay it.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit card or prepaid card

I have {$1500.00} in XXXX gift cards. I added a few of them to my XXXX account and to my XXXX account. When I try to pay using either of these applications using the XXXX gift card as the funding source the transaction is declined. I contacted XXXX by calling ( XXXX ) XXXX. I was told that they do not allow their gift cards to be used on these applications for purchases. I use gift cards due to safety reasons and I find this companies restrictions unacceptable. How can they pick and choose what online purchases will be accepted. These are from U.S. Bank. Inside of the package is a cardholder agreement that says nothing about restrictions for these applications. I have the receipts where I purchased these cards from XXXX XXXX of course there are no refunds on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is the letter sent to XXXX  begining of XXXX and they still refuse to respond. 


XX/XX/2020 To : XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Re : Not able to access my account/XXXX  refusing to verify my identification, and reporting in correct information. Then refusing to allow me to dispute the information saying they can't verify me. 

Im writing this letter because XXXX  will not allow me to access my credit file, I have provided all identification information online and over the phone and XXXX claim you can not verify my identity. In addition, XXXX  has caused Discover to close my account because XXXX  stated they could not verify my identification provided through the requested form 4506-T Discover submitted. 

I called and spoke to an XXXX  representative on XX/XX/2020 regarding this issue and was told that XXXX  doesnt have enough information to verify my identification. This I dont understand knowing that XXXX  is taking in and reporting out information on me. The representative said I need to send in a copy of my State ID/Drivers License and Social Security Card. 

I am aware of a breach of information in your system in the past and Im uncomfortable with providing this information, but XXXX is holding my information under hostage, preventing me from getting approval for a of line of credit, impacting my credit score and now Discover closing my account due to XXXX  neglect. 
Attached is a copy of my Drivers License and Social Security Card, as  requested. I need access to my XXXX  account and I need XXXX  to provide the requested information that Discover asked for so that maybe they will reconsider re-opening my account. 


Thanks
Product: Mortgage

I was involved in a settlement case in which I shared with thousands of affected borrowers against Ocwen, the mortgage provider whom foreclosed on my home illegally. Ocwen was charged with engaging in unfair and deceptive acts and practices in violation of the federal Consumer Financial Protection Act. Lenders and their loan servicing operations were accused of misconduct in determining whether foreclosures were warranted for thousands of high-risk " subprime '' borrowers who were having trouble keeping up with payments. Among other things, they were accused of misleading customers about the foreclosure process and alternatives to avoid losing their homes, and charging unauthorized fees. 
This illegal foreclosure has resulted in financial injury resulting in my being denied credit and obtaining another mortgage loan, due to the nature of the illegal reporting of the foreclosure on my credit file. I am requesting that this account be permanently removed from my credit file with immediate effect.
Product: Debt collection

On XX/XX/XXXX, my vehicle was repossessed by GM Financial, who is a third party debt collector, and not registered with Texas to collect debts in Texas. After filing a lawsuit in state court for theft and conversion of my property, I find out that XXXX XXXX XXXX is using the name of GM Financial to collect its own debts. GM Financial shows on my credit report, and so does XXXX XXXX XXXX. GM Financial paperwork states this is an attempt to collect a debt on its paperwork. On or about XX/XX/XXXX, I tendered two payments to GM Financial and one to pay the vehicle off. One payment was a money order from the XXXX XXXX and one payment was from private sources. On or about the last of XX/XX/XXXXI received a release of lien on my vehicle, and then a copy of the Title was sent later. Approximately two to three months later, my vehicle was repossessed by GM Financial. I received a couple of letters, stating that no payment had been made, and thought it was a mistake. After the vehicle was picked up, I questioned what GM Financial used to repo the vehicle since I had the original title and a lien release letter. I filed in state court a restraining order to stop the sale of my vehicle from the illegal repo. It was at this time I found out that the money orders had a problem. The XXXX XXXX money order was never credited to my account, and checking with the post office, the money order had been cashed. The private source money order had an incorrect number, and I was never made aware of this. By law, GM Financial should have notified me of any defects so that it could have been corrected. The XXXX XXXX money order was never returned, nor the private funds money order. There was no reason for me to know that my vehicle was going to be repossessed.
Product: Mortgage

We took out a loan. We noticed that our principle reduction over-payments were credited to future monthly payments. I went to the branch, spoke to an officer who told me that he would fix the misapplication of the over-payments and rightfully classify them as principle reduction. As the payments are auto paid from a savings account at the same bank I did not examine a statement until over a year later. At that time we saw that our payments were applied until XXXX. I went into the branch where we took out the mortgage, spoke to the manager who did not understand the misapplication and fixed the issue. 
However the bank has not been transparent about the way it reapportioned the interest. I requested several times that they send me a statement showing that if they applied the principle reduction correctly, the interest paid each month would go down slightly every month, which is not shown that way on the statement they sent. 
After XXXX months and several emails with the branch manager and several calls to the mortgage department they have not responded to my request. I request that USBank provide a statement transparently showing my payments and interest paid in the format as follows : DATE BALANCE PAYMENT PRINCIPLE REDUCTION INTEREST BALANCE as this is the way all financial institutions show history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax lacked basic security to protect my consumer information from cyber attack.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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 a account without my written instructions.
Product: Checking or savings account

There Was Previous Case Against Capital One 360 and they made a Decision on Not Opening Any Future Accounts With My Information and Identity I XXXX XXXX Was A Victim Of Identity Theft and i never Gave Capital One Permison to Open any Accounts With My Name In The Pass. and i Was Told Bye Capital One That They Have Ended The Relation Ship and that their Are Not Going To Open Any Accounts For Me In The Future and they also marked and block me from Opening New Accounts With XXXX XXXX and XXXX and i Never Open This Accounts with Capital One 360. 

Capital One Refused To Accept Police Report Any Type Of Evidence Showing that this Accounts Where Open Fraudulent and Capital One Wont leet me Open Any New Accounts Because Of This Incident..
Product: Debt collection

I XXXX XXXX requested validation of this debt and SYNCB XXXX failed to provide Validation. This violates 15 USC 1592g.
Product: Checking or savings account

I sent XXXX and the money was taking out my account but never made it to the recipient XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this credit bureau two rounds of dispute letters asking that they fully verify five collection accounts listed on my credit report from them as I believe that those accounts could possibly have illegal collection fees. In those dispute letters I asked that the debt be verified by providing original documents to support the claim. Each time I disputed, they " verified '' the accounts without sending original documents to fully validate the accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : GLBLNDSVCS Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : I C SYSTEM Account Number : XXXX Balance : {$310.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

INQUIRIES TRANSUNION : XXXX XXXX  on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX  on XX/XX/XXXX INQUIRIES XXXX : XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 card or prepaid card

I believe that someone went into my locker and stole my credit card. I have charges on my card that sum up to {$960.00} which I there is no way they should be able bill me for because it wasn't me!
Product: Credit card or prepaid card

I am a Senior Citizens that was diagnosed with XXXX XXXX and treatments limited my monthly funds. My funds was cut in half so I continued to pay this company. Now I no longer work because the XXXX metastasized and treatments are harsh. I am waiting on a decision for my Social Security that will much less that a salary. I want to make payments on items I purchased not someone else.

I've had several notifications of a Breach of Data where information was compromised. Colony Brands was initially helpful I placed a Fraud Alert on all credit bureaus and it worked for a period of time but accounts started again. I went back to place a Freeze on all credit reports but there had been additional purchases on the Colony Brands accounts. Initially, it was their practices to contact me before approving any new purchases but they stopped. As i explained to them, I thought it was strange my other creditors did not have any account issues.Most of my creditors worked with me in resolving the issue and notified me each time there were purchases or an attempt to open other accounts. I've been trying to resolve issue with Colony Brands without success. I spoke with XXXX XXXX in which I thought we came to an agreement about the accounts. XXXX was more concern with me paying off the account without removing unauthorized charges and any related finance charge. I've had difficulty with other stores within Colony Brands I filed a report with Federal Trade Commission for Identity Theft and found this company is having issues with unauthorized purchases. Now they want to hold me responsible for the unauthorized purchases and demanded the money. 
My experience with Colony Brands have been they will tell XXXX  what they will do but later tell me something different. They said they were sending the a FTC Affidavit for Identity Theft but never sent it. Later I received a letter stating I need to pay the entire amount whether I purchased or not it came to me. I would not know that anything was purchase because they did not confirm it was me placing the order. It is on all my credit reports that states not to add purchase or open an account without contacting me.
Product: Credit reporting or other personal consumer reports

Having reviewed my credit report, I detected inaccurate accounts that did not XXXX  from any error on my part.
Product: Credit card or prepaid card

I had the Walmart in store credit card for over a year with 100 % on time payments. I never maxed the card out.. My credit score went down a few points so Synchrony lowered my credit limit. At the time I had about {$400.00} owed on the card, and the following month I paid my balance in full. The same exact day my payment was processed, Walmart closed my account. Their reason was I was high risk, not much has changed since I opened the card, so why all of a sudden am I " High Risk ''???? Why issue the card in the first place then?!?!
Product: Debt collection

I moved from XXXX, North Carolina to XXXX, Texas on XX/XX/XXXX, however my lease wasn't set to end until XX/XX/XXXX. Prior to moving, I contacted XXXX XXXX and scheduled to end my service on XX/XX/XXXX as well as provided them my new address. 

On XX/XX/XXXX I received a paperless bill with a balance due of {$230.00}. This charge consisted of {$130.00} new charge and {$100.00} from the previous bill. However, when I logged into my XXXX account and paid, it only charged my card for the new amount of {$130.00}. 

I believed my account from XXXX to be settled and did not know of the {$130.00} ( the XXXX from XXXX and the partial from XX/XX/XXXX - XX/XX/XXXX ) that was still pending as unpaid on my account. 

In XXXX of XXXX, I went to get pre-approved for my first home mortgage loan and was made aware of a subpar credit score on XX/XX/XXXX. On XX/XX/XXXX, I was told by the lender that I had a collections charged to my credit score in XX/XX/XXXX by a company called Helvey & Associates. I had to ask who Helvey was as I had never heard of them and were told they were trying to collect {$130.00} from me after buying the debt from XXXX XXXX. 

This was the first time I was hearing of this unpaid account balance. No letters from XXXX XXXX, calls from XXXX XXXX, letters from Helvey, or calls from Helvey were ever received or this charge would have been paid immediately. 

I called Helvey and was told there was nothing they can do but I could pay XXXX and appeal. I immediately called XXXX XXXX, paid the balance, and was told they would notify Helvey. I am now being told that despite the lack of communication concerning this charge by both XXXX and Helvey, and the fact I paid immediately upon learning of it, nothing can be done to delete it from my credit report and help to repair my credit. 

I have a long-standing history of on-time payments, including credit card bills, rent payments, car payments, and payments to XXXX XXXX themselves.
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 {$0.00}, {$1000.00}. 
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 XX/XX/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, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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 XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX BALANCE XXXX XXXX XXXX XXXX ACCOUNT XXXX BALANCE XXXX XXXX ACCOUNT XXXX XXXXXXXX BALANCE XXXX XXXX ACCOUNT XXXX XXXXXXXX BALANCE XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2019I received a {$500.00} loan from National Small Loan. I made my first payment on XX/XX/19for {$73.00} and have made weekly payments for that same amount since then. As of today I have paid National Small Loan {$1200.00}. Upon checking my payoff amount it showed that I owe {$500.00} which is more than my loan was even for. Apparently, every penny I have paid so far has went to the interest and not to the principal which is not how loans should work.
Product: Payday loan, title loan, personal loan, or advance loan

I am going through bankruptcy, being represented by an attorney, and have opened a new banking account under advisement of counsel. Under advisement of counsel, I contacted Dave through their email support to submit documented revocation of authorization for Dave to attempt to debit any account of any venue. I have, in my letters to Dave, provided them my attorney 's contact information. Dave has consistently refused to acknowledge my legal revocation of authorization and continues to try to fraudulently charge multiple cards/accounts associated with the account. I have even gone into the account management and removed all listed/associated accounts/cards. Dave continues to ignore my revocation of authorization requests and continues to attempt to charge cards and accounts of all venues.