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

The Credit Bureaus have done nothing! I have been disputing the fraudulent items reporting on my personal Credit Report by submitting numerous dispute letters as well as submitting CFPB complaints addressed to the Credit Bureaus and it is clear that the Credit Bureaus have done nothing! NOTHING AT ALL! I have read that the Credit Buruas are required to remove any accounts and information that resulte due to identity theft under the FCRA section 605b. But I see here that the Credit Bureaus continued reporting the disputed items without providing me copies of documents to prove the Credit Bureaus ' claims. This act by the Credit Bureaus is a clear violation of my rights under the FCRA Regulation. I am now submitting this CFPB complaint to request that the Credit bureaus remove the disputed items as soon as possible from my Credit Report. I need teh following items deleted completely from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$250.00} US DEPT ED XXXX Balance Owed : {$1700.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXX  XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX AN # XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address a concerning issue regarding the inaccurate reporting of bankruptcy information by LexisNexis, which has been disseminated to other credit reporting agencies, including XXXX, XXXX, and XXXX. This matter raises significant concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ) and related laws and codes. 

As per 15 U.S. Code 1681e, consumer reporting agencies such as LexisNexis are required to establish and comply with reasonable procedures to ensure that consumer reports are furnished only for permissible purposes under section 1681b of the FCRA. This includes verifying the identity and intended use of any party seeking consumer reports before providing them. Additionally, consumer reporting agencies must make reasonable efforts to verify the identifications and certifications of purchasers before reselling consumer reports. 

Given these legal obligations, I am deeply concerned that the dissemination of the erroneous bankruptcy information to other credit reporting agencies violates the FCRA and other relevant laws. The inaccurate reporting of this information not only damages my creditworthiness but also undermines the integrity of the consumer reporting system as a whole. 

Furthermore, 15 U.S. Code 1681e ( 3 ) stipulates that a person who procures a consumer report for resale shall not disclose the identity of the end-user of the report if the end user is a federal agency or department procuring the report for specific purposes, such as determining eligibility for access to classified information. This provision underscores the importance of protecting sensitive information and ensuring compliance with federal regulations. 

Therefore, I demand that LexisNexis take immediate action to rectify this situation by removing the erroneous bankruptcy entry from my credit report and ceasing the dissemination of this inaccurate information to other credit reporting agencies. Also that this information be removed from XXXX, XXXX, and XXXX. Failure to comply with these legal obligations will leave me with no choice but to pursue legal remedies to address this matter. 

Thank you for your prompt attention to this issue. I expect a timely response confirming the corrective actions taken.
Product: Student loan

Ive made payments to my loans during the COVID CARES Act of the pause between XXXX of XXXX to XXXX of XXXX have reached Aidvantage ( my federal student loan provider ) approximately 5 times since XX/XX/XXXX regarding a refund I am owed. They did not process my request until XX/XX/XXXX, when I prompted another call back. The information has been so confusing - theres been a XXXX week timeline, XXXX, and now XXXX. Whenever I ask customer service there is no new information just that its coming. I am owed this money as a refund back to me and am tired of being dragged around and getting no information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at XXXX.
Product: Money transfer, virtual currency, or money service

Today on XX/XX/2018 I was defrauded of concert tickets I was trying to buy for myself. I asked XXXX XXXX, the seller of the two tickets, if she could send me her XXXX and she insisted we use XXXX for the transaction. I have sent money to my family using it, as our bank uses it, so I felt safer knowing it was backed by my bank. After sending her {$50.00} she immediately blocked me. She gave me the number ( XXXX ) XXXX and the name XXXX XXXX ( I now feel as if it is a fake name and possibly number ). I am angry and upset that I am in this position. I do not know what other options there are. I would just like that this person pays for their inhumane actions. I do not know what else I can do. USAA cant get the money back from her. Any and all help in resolving this matter is appreciated. Let me know what else needs to be done in order for me to have this resolved.
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an 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 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 related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was unaware of any collection regarding my previous cell phone provider, XXXX. I called XXXX and they told me I had a previous balance that was now in collections. I asked if it could be removed from collections which they agreed to do. I then proceeded to make a payment for the full balance of {$160.00}. 

I disputed with the XXXX reporting bureaus the accuracy of the collection being on my reports due to they did not have collection authority on the accounts. They came back as verified, and when I submitted payment verification, Receivable Performance refused to accept the documentation from the credit reporting bureaus. 

I proceeded to call Receivable Performance at XXXX and spoke to a supervisor who told me they would not remove it from my report. She confirmed that XXXX had taken the debt back. When I explained that Receivable Performance therefore did not have collection authority on the account, they should 've removed it from all XXXX credit bureaus. She said they would not do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX Date of Inquiry XX/XX/XXXX ; XXXX XXXX  Date of Inquiry XX/XX/XXXX ; XXXX  Date of Inquiry XX/XX/XXXX ; and XXXX XXXX XXXX Balance : {$55000.00}.
Product: Credit card

On XX/XX/year> I call my credit card company to put in a dispute charges on my credit card. The charges were for round trip airline tickets I purchased on the XXXX of XXXX of 2024. The credit card company was able to get the money back on my card which I was very grateful for. 
Fast forward to XX/XX/year> I got mail from my credit card company indicating that charges are put back on my card because they have information from the airline that said I never showed for my flight or attempted to cancel which is completely false. Because I did call to cancel but I was told that they couldnt cancel it and I was never given a clear answer why. This issue has put me in a great financial strain and I just lost my job.
Product: Debt collection

I live in XXXX. I was in XXXX TX. during the month of XX/XX/2018 for medical care by the VA. I went to XXXX and applied for their " senior plan, '' etc., for which I believed there was no contract. A hard inquiry was made on XX/XX/2018 and the plan, for which I thought had no contract, was approved. 

XXXX XXXX emails me for changes in my credit. I then noticed that a collection account was opened by Amsher Collections on XX/XX/2018 for {$100.00} as per XXXX. 

I called XXXX and spoke with a clerk and my account was checked, which stated that I owed {$100.00}. Also, I filed a dispute with XXXX or XXXX and the dispute returned in XXXX 's favor. 

My understanding was that there was not a contract that said that I had to pay a certain amount per month for their service and if I wanted to terminate the service to just stop paying each month.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. The following account and inquiries are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I went to pay my mortgage up to date today XXXX XXXX 2015 at Chase Bank they told me they will not take my payment. I called the number they gave me they tell me I am in foreclosure. I just took the XXXX out of my IRA to get all up to date. They foreclosed on the XXXX XXXX 2015 and they are telling me I have to pay a Lawyer money now. Can you help me These people do not care for vets. They could have called me last week and I would have paid XXXXthem right away. I just could not get away I am a single Dad.
Product: Debt collection

I have been contacting this company since I pulled my credit report and notice this company was reporting a debt that I was not aware of. When I noticed it on my report I immediately reached out to the company to see what this account was and if it belongs to me. The only thing I received was a bill for {$460.00} telling me to pay. I'm not paying this bill unless this company can provide me the contract they have to show this is my debt and it belongs to me. I've never received a bill from this company until now when I noticed it on my report.
Product: Vehicle loan or lease

I am applying for a car loan and Equifax Credit refused to take off Fraud Alert on my Credit File. I didn't ask Equifax to put Fraud Alert on my file. They did this on their own. I want the Fraud Alert to be removed at once. XXXX XXXX. XX/XX/scrub>XXXX XXXX XXXX
Product: Checking or savings account

I am fining a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investing this matter to ensure my rights are upheld. Thank you.
Product: Credit card

HD Credit Services committed fraud on my account when it deliberately did not apply the 24-month no-interest promotional plan as it was arranged when I opened the line of credit in XXXX of XXXX. I paid {$170.00} every two weeks on my account through autopay with my bank. My mistake was trusting that HD Credit Services would not commit fraud and did not check my statements until XX/XX/XXXX when I received an email alert that my payment was due in XXXX at an unusual amount of {$430.00}. I checked my online HD credit card account and found that a 6-month no-interest promotion was applied to my account. In XX/XX/XXXX, I was charged the full interest amount of {$2500.00} for the originaland onlycharge on the card from XX/XX/XXXX. I called and spoke with an HD Credit Services representative on XX/XX/XXXX who corrected my account to the 24-month promotional plan. The change would not be seen on my statement for at least two months and the interest charges would be credited to my account. I still have to pay the higher monthly payment of {$430.00} for the next two monthly statements. I could not dispute this payment since I called after XX/XX/XXXX. I have seen the interest charges reversed on my account, but I still see my required payment of {$430.00} due on XX/XX/XXXX. The HD Credit Services representative was apologetic, but this company practice is inexcusable.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Transunion : XXXX, XXXX XXXX digits of the account XXXX. XXXX XXXX. I paid in full yet. 
XXXX ; last XXXX digits of the account XXXX, XXXX XXXX. I Paid in full already. 
XXXX : Nothing appear in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - 1500 $ worth of credit was taken out at a less XXXX  in XXXX  XXXX, I live in XXXX. Ive never been to bend 1 and 2 Ive never opened a line of credit. I found all this out by filling my taxes for the first time and then saw the fraudulent credit lines on XXXX XXXX XXXX
Product: Debt collection

This company has added fraudulent dates to my credit report, permanently damaging my score and ability to find housing. The charge that they say I owe them has already been removed from my report years ago and had it not been it would be mere months away from the 7 year drop off point but they illegally changed the date the account opened to XX/XX/year>, meaning I will either have to pay this or wait ANOTHER SEVEN YEARS!
Product: Debt collection

I am in the process of purchasing a home. I had my credit pulled prior to closing and was surprised to see a collection from XXXX XXXX XXXX, which dropped my credit score significantly. I have received no phone calls or contact via US mail to confirm this collection is mine. Due to this, I did not and have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
Product: Debt collection

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding the Reporting of My XXXX XXXX Account Dear Consumer Financial Protection Bureau, I hope this communication finds you well. I am writing to inform you of a discrepancy that I have been experiencing with XXXX regarding the reporting of my XXXX XXXX account. Despite my communication to both XXXX and the respective reporting agencies, XXXX XXXX XXXX XXXX, TransUnion, XXXX, and XXXX, that I do not authorize the reporting of payments on my account, my concerns have yet to be addressed appropriately. 

According to 15 USC 666, a statute that establishes general provisions relating to powers and duties of banks and banking institutions, I am protected against any unauthorized reporting of my account. The situation also falls under 16 CFR 313, the Privacy of Consumer Financial Information rule. This rule, particularly 16 CFR 313.7, regulates the conditions under which a financial institution may disclose nonpublic personal information about a consumer to nonaffiliated third parties, which I believe has been violated in this case.

In relation to 15 USC 6802 and 15 USC 6801, which outline the obligations relating to the disclosure of nonpublic personal information, I reiterate that I have fulfilled my obligations and discharged the balance for the card. Consequently, I request for the reporting to reflect that my account has been paid off.

As per the Fair Credit Reporting Act ( FCRA ) and 15 USC 1692, a law that seeks to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, I am protected from inaccurate reporting. I therefore urge you to assist in rectifying the inaccuracies in the reporting of my account.

Finally, I would like to draw your attention to 15 USC 1681, which forms a part of the Fair Credit Reporting Act. This statute underscores the importance of the accuracy and privacy of information and protects consumers from the perils of inaccurate information. 

I am confident that this matter will be handled judiciously and I look forward to the resolution of this matter. I would like to express my gratitude to the Consumer Financial Protection Bureau for its assistance in ensuring that my account is updated accurately and in good faith. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently reached out to Experian in XX/XX/2022 to update and remove incorrect or inaccurate personal information reporting on my credit report. On the Experian credit report it contains addresses XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX which neither or locations where I currently reside nor have any affiliation to. The Employers section also contains inaccurate information with the names XXXX XXXXXXXX and XXXX XXXX which I was never employed at neither Employer. Despite my previous attempts this wrong information continues to report.
Product: Debt collection

NCA has never provided the contract with my signature. The payments stop coming out of my account because it was not mines and the bank account was closed due to fraud. The documents have also been edited by NCA, I did not have the telephone number XXXX until XXXX. Furthermore, that was not my address during XX/XX/XXXX. During my move, a box was stolen out of my possession with my bank information and past paycheck stubs.