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

Wait a minute here. Lexisnexis you claim you had removed the bankruptcy from your files?? This is new to my eyes. In your response you were very quick to note that I had ( 48 ) complaint / disputes with your company In those 48 contacts that Ive had with you could you tell me which number that you indicated that the bankruptcy was removed? Please upload to CFPB. Also you never sent a updated credit report from your office again indicating that you had claimed to have had the bankruptcy removed Im just curious as to why not!. 

Secondly what was your reason for removing the account from your credit file?? Just curious you removed it but however XXXX XXXX and XXXX are very quick to say that they contact you when they receive a dispute! So you mean to tell me you remove it from your account but when they contact you. You tell them that the information is reporting as correctly? How is this possible Lexisnexis??? Review their reports thats exactly what these people are saying your company name is all over there report. Each and everyone of them. It is very clear that XXXX  and XXXX  and XXXX contact you to verify the public records. But you going to remove my public record from your report but still tell them its reporting as accurate Lexisnexis this is unlawfully and reckless credit reporting that you are doing on your behalf. I dont care what you sell or to whom you sell it too but you make sure youre reporting is accurate. I will need for you to remove the public record from XXXX XXXX and XXXX! You have the power to do this because if you are verifying it you can remove it. 10 business days Lexisnexis I will consider legal action. If you DO NOT On the 50 dispute/complaint. Will be a charm!

Since you claim the bankruptcy was removed from your report section 609a ( 2 ) I request for you to provide me that the XXXXXXXX XXXX  public record was in fact removed from the credit file of your company this will include a copy of the credit report the date that you removed why was removed. 
And 10 days you will need to contact the major 3 and have them remove the public records in its Entirety this false information I have supplied you everything that I have showing you that you are reporting and verifying false information. 
XXXX XXXX XXXX XXXX XXXX XXXX Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With ( IAW ) the Fair Credit Reporting Act I am disputing the accuracy of my Credit Report. The accounts listed below have been deleted from my XXXX Credit Report : XXXX XXXX XXXX XXXX Account # XXXX. This account and XXXX  XXXX XXXX  XXXX Account # XXXX, XXXX/XXXX  XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Acct # XXXX are reporting all kinds of ways! How can these accounts be Updated or Verified and Open and Closed? These accounts must be deleted because you continue to report inaccurate information on my credit report that is against the law. It is totally inaccurate and should have been deleted long ago. I want these accounts deleted from my Experian Credit Reports because I know that All of my Credit Reports are suppose to be identical, yet they are Inaccurate, and it has damaged my credit really bad. IAW 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( D ) Automated Reinvestigation System ; Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. The information on these accounts are inaccurate and yet they are continuously being reported monthly. IAW the Fair Credit Reporting Act, these account are in violation of my rights, Experian credit reports as they should have been via the Automated Reinvestigation System to All of the credit bureaus upon deletion from my XXXX Credit Report. 15 U.S.C. 1681 Section 602 A. States that I have the right to privacy. 15 U.S.C. 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows, or has reasonable cause to believe that the information is inaccurate. All of the accounts listed above are inaccurate on my Experian Credit Report because it is so frustrating.
Product: Debt collection

XX/XX/XXXX - notified CDI Affiliated Services that the debt they are trying to collect is the result of an employment disagreement is not owed to the company initiating the claim. 
XX/XX/XXXX - noticed a drop in my credit report, called and spoke to XXXX at CDI Affiliated who said the notice to the credit reporting agency was filed in error and this was going to be removed. 
I believe this is a way to harass me for payment even though there is no valid claim from my previous employer for the amount they are trying to collect. 
Thanks
Product: Debt collection

The company said that if I paid {$2700.00} that it would close the debt of {$18000.00} as paid in full and report to the credit bureaus that it would be paid in full ( {$0.00} balance ). 

They lied. When I checked my credit report, they subtracted the {$2700.00} as payment, however they did not XXXX XXXX the balance and they still claim this balance as past due. 

They also said they would send me a letter to confirm this. I gave them my new address several times. When I last talked with them, they still had the incorrect address, then the representative passed me onto to someone who hung up on me. 

I paid this debt in good faith based on Chase 's offer and Chase bank lied to get my money and did not live up to their promise. 

I am homeless in need housing and this balance still shows as bad debt/collection with a past due balance instead of a {$0.00} balance .Now I am screwed out of my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. On XX/XX/2023 I received an email from Experian claiming that I had two ( 2 ) accounts listed on their boost program, which is supposed to increase your credit score. The email stated that these two boost  accounts, XXXX and XXXX would be removed within 14 days, and my credit score would drop if I did not take action now. It asked me to remove, which ever subscription I no longer use, which was my XXXX, which I did. Subsequently, Experian dropped my score by XXXX points within two seconds. I am a senior who is trying to currently increase my credit scores, assuming that Experian was going to help me with their boost program, and instead of boosting, they damaged my Experian score. Additionally, I reached out to their contact center to discuss my dismay with the way they are sending unclear and threatening messages to seniors in order for them to take actions which end up hurting their credit. The representative spoke with me for about 10 minutes, could not do anything for me, I asked to speak to her supervisor, she left me on hold for 10 minutes and then the line dropped. This is an all too common occurrence with these call centers when they dont want to deal with a difficult topic but I am begging you for help to fix this injustice. You can not send out emails threatening credit scores, unless action is taken, and then take recommended action, and then get instantly penalized for said action. Please please please help me to get my credit score raised back to where it was prior to this scam/misleading email sent by Experian. I am trying so hard to increase my credit score in order to be able to afford the necessary things in life. I am a XXXX person, and it is hard enough to balance, doctors, prescriptions, and food, all while trying to provide a better life for myself via a better credit score. Thank you in advance for your help.
Product: Credit card

I am writing to file a formal complaint against American Express regarding a recent notification about a change to the interest rate on my credit card. American Express sent me a letter stating that my rate would be changing, but the letter did not specify either the current rate or the new rate that would apply. This lack of transparency has caused considerable frustration and concern, as I am unable to make informed decisions about my finances without this critical information.

In addition, the letter did not include American Expresss phone hours, which made it difficult to know the best times to reach them. At times, I called during what I assumed were business hours only to find their office closed, which further complicated my ability to get answers.

I contacted American Express five times to clarify the details of the rate change. However, each time, the representatives failed to provide me with a clear answer regarding what my new rate would be. Despite my repeated efforts to obtain this information, I was unable to get a straightforward response, leaving me in the dark about how this change will impact my financial obligations.

I believe that American Express has a responsibility to provide its customers with complete and transparent information, especially when it involves changes to rates or terms. I request that the CFPB investigate this matter and ensure that American Express improves its communication practices for future notifications, providing all necessary rate details and contact information upfront.

Thank you for your attention to this issue.
Product: Credit card or prepaid card

I received an adverse action notice from Synchrony Bank, dated  XXXX / XXXX / 2017 , in which they concluded there is a BANKRUPTCY PROCEEDING, CREDIT COUNCELING OR CREDITOR SETTLEMENT on my credit report based on an inquiry to   XXXX   by Synchrony Bank on  XXXX / XXXX / 2017 , resulting in the denial of a Walmart credit card with Synchrony Bank. This has resulted in an unwarranted financial hardship. I was prepared to take full advantage of the offer Synchrony Bank was currently running.   XXXX  There is no bankruptcy in my credit record, I have not received any credit counselling and have not been involved in any creditor settlement in any period which would be reported in my credit file. TransUnion staff verified this in a phone conversation on  XXXX / XXXX / 2017 . I also my TransUnion credit report on  XXXX / XXXX / 2017  and verified this myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is with Equifax. In XXXX of XXXX I tried to refinance my home and my lender notified me that my Equifax report was blank. I tried to get in touch with them to no avail. Finally my lender got approval from his underwriting department to use XXXX and XXXX and we moved forward without any issues. We refinanced again in XXXX of XXXX to get a better rate with the same lender and after trying to get in touch with someone at Equifax again, we were forced to use XXXX and Equifax again. 

We are about to purchase another home so I checked my credit report and my Equifax report is virtually blank. There is one card listed on the report in the amount of XXXX and that card was paid and closed years ago. I have 2 open credit cards, a mortgage with XXXXXXXX XXXX, multiple auto loans that were all paid but according to Equifax, I have one card. My score recently dropped on XX/XX/XXXX because they removed all of my accounts from the report and added items from XXXX. Again, my efforts to get in touch with them are unsuccessful.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Debt collection

I received a bill on XX/XX/2020 never received anything prior to this the creditor is XXXX I never had XXXX before I've had XXXX  for the last 12 years and they are trying to collect amount of debt of {$350.00} my email address is XXXX I need someone to get back to me ASAP
Product: Checking or savings account

On XX/XX/XXXX, I deposited via mobile App image my paycheck in the amount of {$1500.00}. This paycheck is from an employer that I have been working for since XX/XX/XXXX. The bank has infomed me they have placed a hold on the depsited item for 10 days so that they may be able to verify the integrity of the deposit. 

I spoke with the bank, and subsequently escalated my concern to a suprevisor, where I was told there was nothing they could do to hasten the verification of the deposit.
Product: Vehicle loan or lease

I have an account with Ally financial and their site has been down for multiple days and will not allow logins. I have attempted to contact them to get this resolved, yet it is not. This prohibits making payments. Yet, when I called in, apparently a new charge has been filed as a late fee. 

Ally is not a responsible or capable lender and must get this issue addressed.
Product: Debt collection

Employees of Lien Recievables LLC have been harassing myself and my father for a debt collection involving another person. The debt in question is related to someone who had their car towed. I have never owned or registered a car. They started with calling my father last week after they were not able to reach me and he explained that they had the wrong person. They also contacted my mother. Then today they sent me & my father threats of legal action and the documentation of the tow and subsequent lien via text message. The documentation makes it abundantly clear that they are harassing the wrong person. Besides the fact that I have never owned a car, the name, addresses and locations do not match up with any of my information in any way. I told them again that they had the wrong person.
Product: Debt collection

I received a email stating that they can do once a month payment of XXXX. I called XX/XX/year> to make a payment arrangement of XXXX dollars a week and was told they can not do that. They could only do XXXX and change a week. Which makes no sense because XXXX dollars a week is over the XXXX time amount they originally wanted. I also didnt receive anything in email about the payments I set up yesterday around XXXX. Tho I did receive another email at XXXX stating they have a acct with me and wanting to work with me. I just feel like there practices are deceptive.
Product: Debt collection

These medical debt collection agencies has attempted to collect a debt on several different levels. One was a debt that my grandson 's school was responsible for because he had football insurance, the others were used against me when I gave them my VA medical insurance information upon entry to the ER and on their constant harassing and threatening phone calls, to no avail. I am now a 100 % XXXX veteran living off of VA and SS benefits and declared " unemployable '' XXXX XXXX was sent a " victim 's fraud '' package.I also sent them relevant documents. So why deleted only XXXX They dismissed two accounts and not a XXXX one. This is very disturbing to me. I have a XXXX as well as XXXX and this does not help XXXX. 
During XXXX I was a victim of fraud. And the credit bureau has an " VICTIM FRAUD ALERT '' on my credit because all necessary police and other reports were submitted to them.
Product: Payday loan, title loan, or personal loan

I have 3 account with ameriican first finance that is not being reported to my XXXX or XXXX report. They also show as closed but it was paid in full on the XXXX account. Accounts were opened on XX/XX/XXXX amount {$400.00}, XX/XX/XXXX amount {$390.00}, XX/XX/XXXX amount XXXX all with AMER FST FIN.
Product: Credit reporting or other personal consumer reports

I am writing regarding the debt listed under your name for Money Lion Inc for {$260.00} which I am not liable for. Under 15 U.S.C. 1681, the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair reporting of my credit information. Reporting this debt as mine constitutes a violation of my rights under the FCRA. I formally request the immediate removal of this negative and derogatory account from all credit bureaus. This inaccurate information is unfairly damaging my credit profile, and I expect your prompt action to correct this matter. Please provide written confirmation that this account has been removed. Should you require additional information or documentation, feel free to contact me directly. Thank you for your immediate attention to this matter. Sincerely,
Product: Credit reporting or other personal consumer reports

The company, XXXXXXXX XXXX XXXXXXXX XXXX, claims that I and my dad are joint account holders on my mom 's credit card account. My mom passed away last year, XX/XX/XXXX2024, and since then we have obtained a court order of Year 's Support, signed by a probate court judge, declaring that my late mom 's estate is empty. This order was filed XX/XX/XXXX2024. XXXXXXXX XXXX claims that my dad and I are joint account holders, which makes us liable for the credit card balance of {$21000.00} as of last XXXX. Neither myself nor my dad has ever signed a joint account holder agreement, but it is XXXX XXXX XXXX contention that we are signatories on documents they have and they will not share copies of these documents. After several times on the phone with them, my dad did get XXXX representative to describe the signature purported to belong to me. What she described has no correlation whatsoever to my handwriting style. It is my opinion that if such a document even exists, it was my late mom who signed both our names to the joint account document without our knowledge. At XXXX point, another representative said he would file a fraud claim on our behalf for signature identity theft. This claim was dated on XX/XX/XXXX 2025 and was subsequently denied by XXXXXXXX XXXX XXXX fraud department. The disputed amount is appearing on both my and my dad 's credit report scores, and it is preventing me from getting an apartment due to the bad credit from this unpaid account. We wish only to have this removed from both of our credit reports, as we have never signed such an agreement.
Product: Checking or savings account

On XX/XX/XXXX Wells Fargo Bank issued a statement resolution of claim Reference # : XXXX. {$310.00} was reimbursed in my account for unauthorized transactions. However the bank declined to reimburse for the remaining transaction because I reported the unauthorized transactions more than 60 days after the transaction. The unauthorized transactions took place from XXXX to XXXX that amount to several XXXX dollars.
Product: Debt collection

Credit Collection Services ( CCS Commercial , LLC ) has been reporting a collection on my consumer reports which has been tarnishing my reputation and causing me undue hardship. I do not know who this company is. I have never received any type of correspondence from this company stating that I am obligated to pay this company for this alleged debt. I have never done business with this company nor have I ever gave any permissible purpose to this company to have my information, or to report anything on my consumer reports. Nothing was ever validated with me in regard to this alleged debt. CCS has illegally obtained my personal information and chose to illegally report this alleged debt on my consumer reports without verifying the facts of this account and also without providing me the opportunity to accept or reject any validity of this alleged debt.. This company is also not licensed to collect in the state of California where I domicile therefor they have no jurisdiction. Their illegal practices have not been fair. This grave error has violated many federal laws of the FDCPA and need to be rectified ASAP!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX INQUIRIES NOT RECOGNIZED XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 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 records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

THE SHABANA MOTORS ACCOUNT ON MY CREDIT REPORT NEEDS TO BE DELETED. 

PLEASE PROVIDE ME WITH THE METHOD OF VERIFICATION AND THE PROCEDURE 'S DESCRIPTION WITHIN 7 DAYS. I WANT ALL OF THE DOCUMENTATION THAT YOU RETRIEVED TO RENDER YOUR INVESTIGATION THAT THIS INFORMATION IS REPORTING ACCURATELY. IF YOU CAN NOT PROVIDE THIS INFORMATION TO ME IN 15 DAYS, PLEASE DELETE THIS INFORMATION FROM MY CREDIT REPORT. 15 USC 1681i ( a ) ( 6 ) ( iii ) ACCORDING TO FCRA SECTION 6 0 5 B, IT IS ILLEGAL TO REPORT ANYTHING ON MY CREDIT REPORT WITHOUT MY PERMISSION. PLEASE REMOVE THIS NEGATIVE ITEM.

LATE PAYMENTS REPORTED ARE A PRIVACY VIOLATION. THE LATE PAYMENT STATUS IS INVALID AND INACCURATE. YOU MUST HAVE MAXIMUM ACCURACY WHEN REPORTING. PLEASE DELETE. 15 USC CODE 1666B. SHOW SUPPORTIVE DOCUMENTS
Product: Credit reporting or other personal consumer reports

I have been told different information after many calls between Transunion and the two creditors that placed an inquiry on my credit report. I have both creditors providing documentation that the inquiries were related to fraud activities and that they have already corresponded with Transunion to remove the inquiries. Transunion reps have told me that doesn't get inquiries removed and that I need to send in that same documentation along with authorization to delete the inquiries. I have done these steps but a little confused as to why all these steps are needed when XXXX and XXXX handled my similar issues so seamlessly. 

I'm reaching out to the CFPB because of the long track of miscommunication with Transunion. I also want to hold them accountable for what they promise. I'm tired of hearing wait for 30 or 60 days after letters have been received. It's been a full year since those fraudulent inquiries popped up on my credit report.