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

XXXX stays I signed for loan with them. I never signed for loan to be joint owner on any loan with XXXX. I've ask that XXXX show proof that I signed for installment. XXXX has never provided proof to credit bureau. They come back saying I'm listed as joint but my name is not even spelled right in XXXX system where some how my name is on the deed. The bill is not in my name. I've also never made a payment ever. That is not my Checking that payments are coming out of
Product: Credit reporting or other personal consumer reports

Dear, Transunion There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact me relevant to the request to block the identified transactions. The identified transactions are not information related to any ta transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX You are required to do what I am asking and block these transactins from being reported to my consumer reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thankyou
Product: Credit card

I lost my credit card XXXX of XXXX and it expired XXXX of XXXX but I never received a new credit card from Capital One and by XXXX of XXXX there was a charge from XXXX on the expired credit card for the amount of {$150.00}. I did not know about the this transaction until XX/XX/XXXX when I noticed my credit score drop and I checked my credit report. I called Capital One and spoke with a supervisor who informed me that too much time has passed and the only way to remove it off my credit report is to pay the amount with accrue totaling the amount of XXXX and she said once they see it on their side they will remove it from my credit report .However, a year and half has passed an it is still on the credit report. It is hindering me from renting apartments.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of grave concern involving a potential violation of federal privacy laws by your organization. Specifically, it has come to my attention that LexisNexis may have infringed upon my rights as a consumer under 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681b ( a ) ( 2 ) in connection with bankruptcy reference # XXXX. 

Under 15 USC 1681 ( a ) ( 4 ), consumers are afforded the right to privacy, safeguarding their personal information from unauthorized access or use. Additionally, 15 USC 1681b ( a ) ( 2 ) prohibits the acquisition and dissemination of consumer information without a permissible purpose or written instruction. 

Unfortunately, it appears that LexisNexis may have violated both of these statutes in relation to the aforementioned bankruptcy reference # XXXX. My concern stems from the unauthorized acquisition and use of my personal information without a valid permissible purpose or my explicit written authorization. Such actions not only undermine the trust that consumers place in your organization but also raise significant questions regarding the legality and ethics of your data handling practices. 

I contacted Lexis Nexis and they responded verifying the information on my credit report stating the information was valid. LexisNexis did not retrieve this information from the original creditor as they have stated in the attached letter that they do not report to credit reporting agencies. 

As a consumer, I have the right to expect that my personal information will be treated with the utmost care and respect, in strict compliance with federal privacy laws. 

However, the apparent disregard for these legal obligations by LexisNexis is deeply troubling and unacceptable. 
In light of these serious concerns, I demand immediate action to rectify this situation. Specifically, I request that LexisNexis cease all unauthorized use and dissemination of my personal information in connection with bankruptcy reference # XXXX. Furthermore, I urge your organization to conduct a thorough investigation into this matter, including a review of your internal procedures for ensuring compliance with federal privacy laws. 
Additionally, I expect to be provided with a full account of how my personal information was obtained and used in relation to this bankruptcy reference. Transparency and accountability are paramount in addressing such violations, and I trust that LexisNexis will demonstrate a genuine commitment to upholding consumer privacy rights. 
Failure to address these concerns in a timely and satisfactory manner will leave me with no choice but to explore all available legal avenues to protect my rights and seek redress for any damages incurred. 
Thank you for your attention to this matter. I await your prompt response and actions to ensure that my privacy rights are fully respected and upheld.
Product: Debt collection

I'm being sued by a 3rd party debt collector over an account that is old from XXXX over the statue of limitations which is 5 year 's in Illinois. They have been harassing me and embarrassed me with deception and unfair improperly by contacting my building manager for information which against Illinois protective acts. 
As a senior XXXX XXXX XXXX woman they unfairly filed a lawsuit against me without talking with me and this lawsuit is affecting my health and well being as a senior and this firm is deceptive and unfounded. This firm is violating the Illinois laws passed ACT ( ICFDBPA ) and ACT ( ICAA ) and the amount they want is fraudalant without documentation
Product: Vehicle loan or lease

XXXX XXXX XXXX, vehicle priced {$24000.00}, financing manager pointed to {$11000.00} on paperwork and said this will be the amount of interest you will pay on your loan. However, it was the amount they added to the purchase price of which I later found out. Furthermore, before this I was told them XXXX XXXX XXXX had approved me of a loan for a new vehicle purchase of {$32000.00} at 4.2 %. The car salesman said that XXXX had turned down my loan. I was never shown the interest rate while at the dealership and assumed it would be the same as XXXX. The Wells Fargo loan, I was told was the only bank that would take me for a loan. I later checked with XXXX and was told XXXX XXXX never contacted them for a loan.
Product: Credit reporting or other personal consumer reports

This to formally lodge a complaint concerning the improper handling of my credit information by the major credit bureauXXXX. Specifically, my complaint pertains to a collection and a credit card account that has been fraudulently reported and is improperly retained on my credit report despite my efforts to rectify the matter.

Account name/number : LVNV Funding LLCXXXX I am not liable to any debt with XXXX XXXX XXXX I did not contract with LVNV funding and they did not provide original documents as requested. 
Account name/number : XXXX XXXX XXXX XXXX From fraudulent use of my personal identification and more damaging from the inaccuracies showing across my consumer report from different credit bureaus.

The accounts in question was reported as a result of identity theft, and I have provided the necessary documentation to support my claim of fraud. Despite this, the accounts remains on my credit report, negatively imp

acting my credit score and financial standing. This situation is in clear violation of the Fair Credit Reporting Act ( FCRA ), which is designed to protect consumers against inaccuracies in credit reporting and to ensure the proper handling and deletion of fraudulent information. The FCRA mandates the following : Accuracy and Integrity ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are required to follow reasonable procedures to ensure the accuracy and integrity of the information they report. The retention of this fraudulent account clearly fails to meet this standard. Dispute Resolution ( 15 U.S.C. 1681i ) : When a consumer disputes the accuracy of information on their credit report, the credit reporting agency is obligated to investigate the dispute and make necessary corrections. I have disputed this account multiple times, but the fraudulent information remains unresolved on my report.
The continued presence of this incorrect information on my credit report is not only unjust but also harmful to my financial health and reputation. I respectfully request that the CFPB take immediate action to investigate this matter and ensure that the credit bureaus comply with their obligations under the FCRA.
Product: Debt collection

Regarding Citi-bank : On XX/XX/XXXX, my father ( the account owner ) XXXX. On XX/XX/XXXX I notified the bank of his passing. An auto-pay continued to draft {$270.00} from XXXX XXXX to Citi-bank. I notified Citi-bank of this post-mortem auto-pay, and they have not canceled / refunded it. I then contacted an Account Manager and emailed him a record of the XXXX auto-payment to Citi-Bank, and nothing as been remedied yet. Regarding XXXX XXXX ( XXXX, NJ Branch ) On XX/XX/XXXX, my father ( the account owner ) XXXX. On XX/XX/XXXX I notified the bank of his XXXX, settled his $ XXXX total negative balance, bringing it to XXXX, requested to close the account. The account was not closed. Instead, the bank closed my mother 's savings account, which she was receiving her Social Security check direct deposited. Neither bank seems willing to help remedy this situation, and XXXX XXXX continues to charge {$35.00} insufficient fund fees, as well as keeping the account open, due to the new negative balance.
Product: Debt collection

I received a call from Northstar Location Services regarding the debt of a relative. They also contacted another relative, disclosing the relative 's debt, as they also did to me. They also left a message on my cell phone ( all contacts were made to our cell phones. ) No one ever gave them permission to contact us, especially on our cell phones. The caller was deceptive as he asked " who is this? '' When neither of us would disclose our names, he gave out the information that they were a debt collector and the name of the person involved in the collection.
Product: Money transfer, virtual currency, or money service

Contacted in XX/XX/2019 told company this isnt mine, and still receive bills got this account to pay half the account as a settlement
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries, fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal XXXXXXXX XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I were renting an apartment while our house was being built. When our house finished, we termed our lease, paid everything we owed in full per what the apartment management company sent, and moved out. About four months later, I received a collection notice that we did not pay a utility bill we never received. I immediately went and paid it. The management group agreed that it was their mistake but it reflected negatively on my credit report. I called the collection agency, had the management company on the phone to agree it was a mistake and to remove the collection and the collection company refused. They said there was nothing they could do. I have never once been late on a mortgage payment, credit card payment or any student loans I have owed. I have paid off all my cars, my credit cards every month and my student loans. The only debt I hold is a home mortgage and investment properties and have never been late or delinquent on a payment. However, my credit score is a sub XXXX. I used to be in the XXXX to XXXX range. That credit score has made it impossible to refinance at lower rates or get any new loans for investment properties at current rates. I have to pay higher for points. I need help getting this fixed so my credit score goes back to the 750+ range
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has transferred my XXXX XXXX XXXX over to XXXX. Once I consolidated my student Loans, I was told by XXXX  XXXX that the loans that they were reporting on my credit report would be deleted and that the XXXX loan would appear as XXXX large loan. The Individual Loans are still reflecting on all three of my XXXX XXXX, XXXX, XXXX, Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$0.00}
Product: Credit card

I took advantage of a 15 month 0 % balance transfer offer on my Wells Fargo Visa credit card XX/XX/2016, since then the balance on my card is split between the 0 % APR and the regular 22.24 % APR. Prior to accepting the balance transfer, I inquired about how payments will be applied to the credit card account, with the goal of paying off the balance with the higher interest rate as soon as possible. All representatives from Wells Fargo credit card phone customer center have informed me that payments above the monthly minimum payment will be applied to the higher balance first. That held true for payments made through XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX, as I got close to paying off the balance at the higher interest rate, more and more of my payments were diverted to the balance at 0 %. Over {$750.00} of payments have been applied to the higher interest rate and there 's still a balance that is assessed interest every month.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. States 2 : It also a consumer reporting agency can not furnish an account without my written my written instructions. 

Account XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Checking or savings account

Applied for BBVA checking account during a promotion for XXXX . Met all requirements, and called customer service representatives multiple times over the course of the past 3 months. Was told by representative that the XXXX $ would be deposited into my account by XX/XX/XXXX ( she gave me a corresponding ticket # as well ). Called customer service again on XX/XX/XXXX and was told to wait until after XXXX XXXX. Called again on XX/XX/XXXX as money was still not yet deposited, the first representative told me the ticket # did not exist with my account. Called a different representative, and was told the ticket # actually exists and I have to wait until XXXX ( more than 90 days after opening account not in agreement with the promotion that was listed ).
Product: Debt collection

While reviewing my bank account on the morning XX/XX/2018, I notice that my account was placed on hold with a - {$6600.00}. I contacted the institution who informed me they received a letter of garnishment and they required by Texas State laws to get outside council and seek 125 % of the total debt, post debt, and up to {$1000.00} in attorneys fees but that it had not been referred to outside council yet. I immediately asked the representative why wasn't I informed of this by them and ask if I could seek council and for them not to do it because I can not afford to pay the additional charges related to this charge because I didn't open the account and needed to gather more information which i requested from them. The bank gave me the debt holders information which was XXXX XXXX who's represented by XXXX XXXX XXXX. I contacted XXXX XXXX who directed me to XXXX XXXX XXXX who would not speak to me but simply transferred me to a debt collector who I explained to that I believed that a family member who had previously used my information had opened and used the account as if they were me. I asked could we reach a settlement agreement the waved all of the late fees that have built up over a 10 year period which they refused. I pleaded with them to no avail speaking to multiple agents. I am only willing to settle this because I sure it was a family member who did this and I just want to clear my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with inaccurate information appearing on my credit report. please delete the following addresses below that are not mine : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. These items should be deleted immediately while in litigation per FCRA guidelines. It pays my attention that the following accounts are inaccurate. I am a consumer by law. I am not happy about what I saw. This hurts my credentials as a consumer. I am not aware of this account. I demand deletion of the above-mentioned accounts and information in my credit report immediately.
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 : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$2600.00} Reason : This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Balance : {$1800.00} Reason : This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$4900.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 

Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Balance : {$0.00} Reason : I previously disputed this account stating : ''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. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$3300.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my Equifax report but XXXX failed to perform an investigation and delete the disputed information. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$500.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my Equifax report but XXXX failed to perform an investigation and delete the disputed information. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

INQUIRIES Equifax XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX The items on my credit report are either inaccurate or have already been resolved, and I request a thorough investigation and correction. Despite contacting both the credit reporting agency and the data furnisher, the issue remains unresolved. I have attached supporting documentation, including screenshots, to highlight the inaccuracies. I appreciate your prompt attention to this matter and request an update to my credit report. Thank you for your understanding.