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

Dear LexisNexis Risk Solutions Consumer Center, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. 

Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. 

I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. 

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

I am disputing the inclusion of incorrect personal information on my credit report. The details below are unrelated to me, and I request their immediate removal. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling to fix my credit report, after someone used my identity to open up accounts under my name. I have been battling with all there credit companys to remove accounts, and improper information on my credit report, and or, late payments that I clearly have shown to all there credit reports over and, over again since XX/XX/XXXX. Also there is incorrect address 's, and incorrect hire date for my job, and it is not being taken care of. I have credit inquires that are still being ran in my name, after I sent told each credit company I been a victim of Identity theft, and sent a police report, and Identity theft report, but still I have over 16 credit inquires not done by me, that XXXX XXXX Experian will not remove. Mt student loans on all accounts have never been 90 day late or late ever. They have been in admin forbearance, and are due to be discharged. However when I was given a letter by XXXX stating that my loans have never been late I sent this to all there credit companys, and they will not remove the late payments from my record. As of today XX/XX/XXXX my credit report still shows late payments, and 16 inquires, and incorrect information on my credit report.
Product: Mortgage

Ongoing connectivity issues to online mortgage account with LoanCare servicing. I 've been experiencing many problems being unable to access my online mortgage account to download statements and pay my monthly mortgage using online payments. Additionally, when this happens and I place a call to the mortgage servicer I consistently have unusually long ( 30 minutes ) hold times before I can actual speak to someone to attempt to address these issues.
Product: Debt collection

I have a Kohl 's credit card that I owed {$470.00} and they keep calling early morning and late nights threatening me that they will collect. I have tried to resolve the issue but now they won't stop harassing me.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied to American Express, based upon a recommendation from XXXX  Credit reporting agency. According to XXXX, I had a 81 % chance of being approved for an american express card. 

I was declined, for numerous reasons, none of which apply to me. The reasons are listed below : 1. The amount of credit available on your bank credit card account with the least credit available is too low ( XXXX  ) 2. Too many of your accounts were opened in the last two years. ( XXXX  ) 3. The remaining balance on an existing education loan ( s ) is too high. ( XXXX  ) 4. The interest rate on your last open installment loan is too high ( XXXX  ). 


The information that American Express is using is illegal & discriminatory. I have a current FICO score of XXXX, my yearly income is over {$170000.00}. I have XXXX available to me in credit, of which my balances are less than {$4000.00}. 

I have credit cards with XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX ( auto loan ) XXXX XXXX, XXXX XXXXl If having a prior loan with a high interest rate and a high student loan balance are deciding factors in granting credit, this goes against the FCRA of 1965. This would also prohibit a large segment of the population from being granted credit. 

After speaking to American express, on XX/XX/XXXX, American Express stated that the decision was based upon XXXX XXXX findings. However, XXXX  was the reporting agency who recommended applying for the credit card. 

According to the credit department at American Express, my FICO score was not the deciding factor. So, is american express making decisions based on other factors? 

What exactly are the ground rules & requisites for applying for american express cards? what factors are really used?
Product: Vehicle loan or lease

Starting on XX/XX/2022, I am getting emails to my personal email address about an auto loan being opened. I have not opened any loan and Wells Fargo is doing nothing to help with the issue. It seems the person has put the wrong email on their account and now I am getting their information. I have attached the email, that has the last XXXX of the account number and the other person 's name. I am also getting mortgage emails now, also attached. I am of course worried that my identity has been stolen and Wells Fargo is doing nothing to help.
Product: Checking or savings account

Oh XXXX 2022 I open a citi priority account which includes a checking and savings account upon opening this account I made the external transfers which was a deposit of {$1000.00} on XX/XX/XXXX from my chime account And a another deposit {$1000.00}. I received stating that my citi account will be closed within 60 days this email was sent on XXXX2022. Citi bank is now holding on to my money I have to wait two months to get my. Money back an will like to receive it as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have tried repeatedly to get XXXX XXXX to report correctly on both my mine and my husband 's credit reports. We had to file chapterXXXX bankruptcy in XX/XX/XXXX. We put the past due balance in the bankruptcy, but we continued to pay the current mortgage directly to XXXX during the 5 years of the bankruptcy. We made consistent, on time payments the whole 5 to date. They reported the account closed during the 5 years. After discharge in XX/XX/XXXX they still showed our account closed. I disputed it, because the account was never closed. They said they showed it closed because of the bankruptcy. They corrected that and now it shows the account opened, but they still refuse to show payment history prior to discharge. They made sure to put the past due payments on there prior to filing bankruptcy. This is still effecting our credit negatively on top of the bankruptcy itself. We are trying to move forward and have worked hard to repair our credit these past 5 years, establishing an impeccable payment history, but they are continuing to punish us, by not acknowledging it on our credit reports. Please HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeal I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Please remove all the other addresses off my report, As they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

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

I Received my credit report showing a inquiry from Pentagon Fcu from XX/XX/18 that I applied for an credit card. 3 years ago I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this remark on my credit is causing many issues for me applying for a home which is affecting my score. The item is inaccurate, misleading, or incomplete, may have violated federal law.
Product: Checking or savings account

My bank is n't reporting the transactions and funds available to my third party banking app  XXXX . I am requesting there be a change as it affects my ability to transfer.
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint regarding outdated addresses on my Experian Credit report which are not reporting on XXXX and XXXX. On XX/XX/year> I noticed Experian is reporting unknown addresses and outdated addresses- ( some more than XXXX  years ago ). All three credit reporting agencies have an obligation to provide accurate information. 

I will seek legal action and monetary damages from Experian for continuing to report inaccurate information-
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, There are unathorized inquiries on my credit report. These are inquiries that I did not make, and I did not go to these companies and apply for anything. Someone stolen my identity, and applied for these things. Please remove these inquiries. 

XXXX XXXX XXXX Inquiry : XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Eastern Accounts and XXXX XXXX are reporting fraudulent accounts on my credit. I didnt open these accounts nor did I authorize anyone to do so on my behalf. Please see the attached FTC report and my driver license. Please stop the fraudulent reporting and remove these accounts from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, This is in regards to inquiries made on my account. I recently accessed my credit report and found inquiries on there that I did not request or authorize, These inquiries are hurting my credit score and I would like to have them removed from my account. I contacted XXXX and Equifax, however, they said they are unable to help me in this regards. I tried getting in touch with the vendors who did the inquiry on my account and they were unable to assist me or provide proof of me requesting credit and they were unable to provide any details. 

Here are the inquiries made to my account that I wish to have removed : 1 ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2 ) XXXX Inquiry from XX/XX/XXXX 3 ) XXXX/XXXX Inquiry from XX/XX/XXXX 4 ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX 5 ) XXXX/XXXX Inquiry from XX/XX/XXXX Please remove these unauthorized inquiries from my report. 

Best Regards
Product: Checking or savings account

I am a Citizens Bank customer and would like to file an official complaint. 

Back in XXXX, I filed a fraud claim against a vendor for failure to perform services. Citizens investigated the claim and astonishingly, found for the vendor. The provisional credit that I had received was due to be deducted from my account on XX/XX/2022. 

I contacted the bank to discuss their findings, arguing that an unsigned contract and a blank form submitted by the vendor was insufficient to determine that the vendor had performed the services for which they had been hired. The bank representative I spoke with agreed with me and changed the provisional credit to a permanent credit. I asked that he confirm that no money would leave my account on the XXXX, as the vendor was, in fact, in the wrong. He assured me no deduction would take place. 

Of course, the deduction did take place and on XX/XX/XXXX, my account was overdrawn as a result. 

I immediately called the bank, spoke with a representative and was told that a form had been submitted on my behalf and that someone would get back to me. I did not receive a phone call. 

On the following day, I called again. I was again assured that someone would be returning my call, and this representative explained that I could not contact the department responsible directly, and neither could she. The only possible way to get this resolved was to file a form. That representative filed a second form requesting a call back and agreed to make it a high priority request. 

I never received a call back. 

I called a third time, spoke with a different representative who told me that she indeed saw that there should have been a permanent credit made to my account, assured me that someone would call me back that day, and apologized for the error. 

Needless to say, no one called me back. 

I called again this morning. Spoke with a supervisor who, while apologetic, told me that the only thing she was able to do to help me was submit yet another form requesting a call back, and that the bank policy was that a response could take 24-48 hours. 

This is absolutely unacceptable. My account is still overdrawn, I have now missed payments and bounced checks and am unable to access MY MONEY. The department ( the Electronic Banking Operations Department at XXXX ) does not take incoming calls, although no reason is provided. 

It can not be legal for Citizens Bank to hold my money for this long, to provide no way to contact the department who made the bank error and to fail to contact me for a week regarding this issue.
Product: Bank account or service

Hello, my Name is XXXX and I am a XXXX with the Wells Fargo. I have been contacting many different numbers to resolve my issue but nothing is happening so I would like to resolve it directly with someone that can possibly help me. 

About a week ago my brother came in to Wells Fargo to withdraw money from my business account ( XXXX ) not knowing that the money was taken out of someone else 's account we continued to do business. Yesterday morning ( XX/XX/2016 ) I walked into a bank to withdraw cash again and find out my accounts have all been closed out. Further investigation my accounts have been placed on hold and I am unable to withdraw the cash. I tried to figure out what the problem was and got no answer. About 3 hours later I receive a phone call from the same Wells Fargo location that accidentally made the wrong withdraw from an account and asked me to transfer XXXX to my XXXX business account because they took out XXXX and reimbursed the account that they originally took out from. 
Now putting these XXXX things together I am getting the assumption that Wells Fargo has closed out my account because of a mistake the associate made and not myself.. 
I am unable to pay my associates and as we 'll continue with business since my account and money is on hold until XX/XX/XXXX. 
I always kept my accounts in good standards up until this incident!
Product: Vehicle loan or lease

I got a 6 years loan to finance my car. In order to payoff my loan sooner I made one small payment towards the principal and one large of XXXX dollars. My loan company applied those funds towards the principal, but they refuse to inform me, if I keep paying the normal amount on the due date, how many payments do I have left. I sent 4 messages already, all of them with generic answers giving me my old amount of payments, I called and the agent told me there is no way to know how many payments I would have left.
Every single message I send is answered saying I paid 9 installments and I still have the 63 remaining ones to make it despite the fact that I lowered more than 60 % of my balance.
Product: Debt collection

Capital One. They sold the account some XXXX times over and was paid through my taxes. Each time they update it per your law that states Federal Law FCRA 623 ( a ) ( 5 ) cb ( iii ) Pursuant to CA law they are going beyond the statue of limitations as well ( full disclosure act XXXX ( 3 yr statue of limitation. This is year 7 It is listed as Capital One sold to XXXX XXXX another new date of XXXX was taken off on XXXX and then finally sold a XXXX time to XXXX and started a new date of XXXX. They have yet sold it again to a company out in XXXX, CA All of this is illegal and they are not following federal laws.
Product: Debt collection

Myself and my fiance signed for a very bad loan program to help fund his small business. After medical issues and not being able to pay, we defaulted on the loan. We were contacted by several people with several companies about the debt to pay back. They offered to do payment plans. When I told them what we could pay towards the debt, they said they had to see all of each of our bank statements, we told them the account was closed after they over drafted. I was receiving unemployment benefits. After figuring out who was responsible for holding the debt, I again stated we could pay a certain amount each month but we were not providing any more bank statements. Since then we havent received contact until they sent an email today with all of our old email accounts including ex spouses and family members with the details of our default and to contact them for payment. This loan was a scam from the beginning and now they are harassing us and threatening us personally if we do not provide them bank statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is ignoring my dispute letter and they haven't manually went through my letter they are reporting false information on my credit report which is effecting my chance of getting a job position and chances of getting a home loan
Product: Credit reporting

XXXX uses Experian for identity verification in order for me to sign up for heath insurance on the XXXX Website. I have been unable to sign up for health insurance based in whole or in part on inaccurate information in my Experian Credit Report. The reason I know it is inaccurate is that I was directed to call Experian and I did so and during the call the Experian agent asked me a number of questions about myself based on information obtained from their records. As the completion of the questioning I was advised that Experian is unable to verify my identity based on some difference between my answer and their records. The agent did not identify which information I provided that was supposedly inconsistent with their information. Because Experian did not identify which of the questions I supposedly answered incorrectly, their process precludes me from requesting specific correction.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information contained within my credit report and to bring to your attention the apparent violations of the Fair Credit Reporting Act ( FCRA ) by your bureau. Despite multiple attempts to address discrepancies in my credit report, I have received no response from your bureau, which is a clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX of 2023 i XXXX XXXX sent notice of correction to Experian Credit reporting agency to correct the information regarding child support account placed on my Credit report, Experian emailed me within 1 week stating that they have verified but there own policy states it takes up to 30 days to verify, they have not provided any proof of validation, or, who the company was that placed it on my consumer report. 




also they completely ignored the rulings of case law and the rulings of the higher court which stated very clearly that child support is not to be on a consumers report All documentation of evidence is attached. 

This is the 5th attempt over several years that iv'e endured this abuse from experian no matter what you send them proving any debt let alone this child support debt isn't valid they refuse to remove and ignore any and all laws
Product: Credit card or prepaid card

On XX/XX/XXXX. I bought a prepard card. I added XXXX $ and I was charge a XXXX $ fee which is normal. When I aas back home I tryed to login to see my balance and I realised that my card was invalid. I had to wait on the line for severals hours before talking to a customer care employe and after that to a supervisor. The supervisor told me that I needed to send the prooves of my purchase by email to this Incomm compagnt. This is were the problems started. When I sent the documentation Incomm was sending me the same emails telling me that they were not able to open my pictures, which is almost impossible because of the causual format. I sent them 5 times my email and every times they told me it was impossible for them to open them. I then asked them what other way I could provide the documentation to them and this is were the started to ignore me. Since then ( 3 weeks latee ) I have to call the costumer service every day so they contact Incomm, by email, for me, and even then, Incomm won't write me what is going. This is the poorest costumer service I have ever seen in my entire life. It is completly insane.
Product: Mortgage

My mortgage was charged off by XXXX the lender in XX/XX/XXXX. In XX/XX/XXXX Shell point Mortgage servicing was trying to collect this debt for the XXXX I made a offer to settle the investor accepted the offer and then Shell point notified me of the charge of in XX/XX/XXXX by the investor and disregarded my offer to settle. Now that the debt is charged off by the investor I want the mortgage released by the investor. I have contacted Shell point several times and have now been instructed by them to put the request in writing under ORC 5301.36 the investor must release the mortgage. In Ohio, a lender must record the satisfaction of a residential mortgage within 90 days from the date the mortgage was paid off. If the mortgage lender fails to comply with this requirement, the borrower may recover, in a civil action, damages of {$250.00}. This provision does n't prevent the borrower from seeking any other remedies that might be available to him or her. See ORC section 5301.36.
Product: Mortgage

I require my current, updated amortization schedule based on my payments. I did not receive it.
Product: Credit reporting or other personal consumer reports

I was going to apply for a credit card for my business but they never said, they would run my personal credit report, tried calling and letting them know about the issue but they said they could do anything about it. 
The company is SYNCB/LOWES