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

Whereas Lexis Nexis has not properly investigated, or reported information properly and according to the Fair Credit Reporting Act. 
Correspondence and Dispute sent XX/XX/XXXX regarding A Bankruptcy reporting with source as Hawaii Federal Bankruptcy Court XXXX on XX/XX/XXXX. I challenged the accuracy, compliance and reportability of this listing and requested verification providing me with copies of any documentation bearing my signature. In the absence of such documentation I formally requested the item be deleted from the credit file. Nexis Lexis Responded with a form letter simply stating Verified from the Hawaii Federal Bankruptcy Court XXXX. 
2nd Correspondence and Dispute sent XX/XX/XXXX requesting Lexis Nexis provide me a description of the procedure use to determine the accuracy and completeness of this information verified including the name, address, and telephone number of each person contacted regarding this listing. Again, I requested documentation bearing my signature and that any further automated response from lexis nexis or e-oscar verification was unacceptable. Nexis Lexis responded with the same form letter as the last one simply stating verified without any of the information I requested and am entitled. 
I contacted this court in Hawaii and they provided me a letter stating they do not provide any information to credit bureaus. I have sent this letter to Lexis Nexis and that mere fact proves they are inaccurately reporting information on my credit report as they continue to report their source of verification as the Court.
Product: Checking or savings account

On XX/XX/2022 I received my tax refund irs 2 hours later Im locked out of my account so I call the number that it tells me to call and I spoke with the supervisor and she was really rude tells me she is Exercising her right in my contract to end our bank relationship so she tells me to look for another bank.. I told her wat about my tax refund she tells me to go to a branch and withdraw and then hangs up on me really rude and I forgot to mention my refund was {$10000.00} so then I go to the branch the following morning just for the branch manger to tell me she cant withdraw my account because it has to post so then I wait for the 2 days wheni went to the branch they only gave me {$1000.00} then they tell me I cant get the {$10000.00} out because they have to investigate it ok why do they have to investigate a irs tax refund direct deposit it has my name on it I took in my brith certificate and my social security card and my tax return documents To the branch and they still refuse to give me my money then they accused me of useing a Deceased person social security number after I should them my social security card!! Its been since the XXXX this bank has been giving me the run around today is the XXXX and still havent been able to withdraw my money and their closing my account I feel discriminated because their unfair .they close my account same time I got my tax refund
Product: Credit card

I applied for a NAVY FEDERAL CREDIT UNION credit card on XX/XX/ XXXX The following day I then called in and spoke with a rep regarding the denial and they couldn't help me other than telling me I'll receive something in the mail and there's no one else I could speak to regarding me being denied access to my credit. 
I then messaged the lending team through online banking, who I asked to retract my application and they wouldn't and totally disregarded the fact that withholding my credits after contracting with them is in fact Securities Fraud.
Product: Credit reporting or other personal consumer reports

I mailed letters to XXXX, XXXX, and Transunion about inquiries I wanted to be removed due to them having no WRITTEN consent allowing them to furnish on my report. Furthermore, I have waited over 30 days for the required response time. It is actually almost 60 days and there has been no response.
Product: Credit card or prepaid card

Received a letter from card member services of Elan Financial Services stating that the account could not be opened due to the inability to verify my identity. I immediately contacted the company and informed them that I did not apply for a credit card from there company. I was told that they could not confirm my identity or information and to contact the credit bureau`s
Product: Debt collection

I was evicted, an appealed the eviction XXXX week prior to going to court XXXX XXXX XXXX filed a motion for none suit, they also accepted about XXXX in texas rent relief payments although I had moved. When I asked for my deposit back I was told I had a balance for Breaking my lease an court cost an was told they were calling the police. I now have a balance on my credit I never seen before an also a warrant out for my arrest.
Product: Debt collection

XXXX XXXX and Experian will not remove a debit that yet have validate verification they just keep stating updated with out verification a collection XXXX XXXX for XXXX was on my credit last year and removed and now added back I have no knowledge of the account and dot believe its mines XXXX recently had a breach in selling customers identity. I will like this account removed
Product: Debt collection

After being removed or deleted from one credit bureaus files after being investigated by XXXX this collection agency, sending this information to the other bureaus like these are new collection account. I asking for this to stop and not share this information with others. Without approval. It is transferred from one to the other.
Product: Bank account or service

I used the ATM in a XXXX store to make a withdrawal. I was alerted that there would be a {$3.00} fee to which I agreed to pay. When I checked my bank account ; instead of there being a {$3.00} amount on a {$140.00} withdrawal for a total of {$140.00} : there was a separate {$1.00} miscellaneous fee also. This fee was not indicated at the time of my withdrawal. If Chase Bank does this with every customer, they are making a ton of money illegally. Please look into this fraudulent practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : BRCLYSBANKDE XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX and told them I was a victim of identity theft they disregarded this. I submitted police report which was filed way before this loan was opened they still disregarded I sent them ftc report they still disregarded. I even offered to pay XXXX to remove this from my report they still refused. This company needs to be held accountable for disregarding the FCRA and consumer protection laws
Product: Debt collection

I recently check my credit report and noticed a collection on my credit report account number XXXX Complete Credit Solution this account is reporting inaccurate information. The account is reporting a debt collection that is reporting as a closed account on XXXX, but on XXXX and XXXX its reporting as open. Further more this account was once closed on XXXX but has now been reopened.
Product: Student loan

Navient has publicly humiliated by contacting my son, my husband, my husbands adult children and their spouses to discuss my loan by stating they are trying to reach me and havent been able to reach me. The harassment has lead me to consider filing a law suit due to violation of my privacy among other reasons. They have received payments and increased harassing phone calls. I have sent a request for compromised payoff and would like them to respond. Unable to send copy of letter due to filing complaint on my phone while Im out of town and my husbands family is receiving calls from Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to have theses items removed, I have made several calls and written letters and this is still goes unresolved. I have this false information listed on my report the following address XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. These following accounts XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX XXXX
Product: Debt collection

the companies name is Professional Debt Mediation , Inc . Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ive told them several times i had nothing to do with these charges someone used my identity and got an apartment in my name and ive said this several times ive called them in XX/XX/XXXX, sXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. that was the last time we spoke and they threatened me by saying they will take me to court when i was never responsible for the charges. all i want is for the debt to be removed/deleted from my credit report. its affected me getting a home for several years now ive disputed it several times as well. its almost 7 years old and its ruining my life. i would just like for it to be removed/deleted from my report. they also report it every single month to affect my credit.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appear on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : # XXXX XXXX  : # XXXX XXXX  XXXX  : # XXXX XXXX  : # XXXX XXXX XXXX XXXX : XXXX XXXX In accordance, with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 6, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXXXXXX XXXX XXXXXXXX Employer - XXXX XXXX  Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! 
Under 15 U.S.C. 1681 Section 602 A, I am entitled to privacy. According to 15 U.S.C. 1681 Section 604 A ( 2 ), a consumer reporting agency is prohibited from providing an account without my explicit written permission. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) stipulates that no consumer reporting agency may include in a consumer report any negative information, other than criminal convictions, that predates the report by more than seven years. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or should reasonably suspect that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

violation of the following : I never permitted XXXX, XXXX, and TransUnion to report any negative information on my consumer reports, nonaffiliated third party and receive any disclosures .15 U.S. Code 6801 - Protection of nonpublic personal information15 U.S. Code 1681b - Permissible purposes of consumer reports15 U.S. Code 6802 - Obligations concerning disclosures of personal information any consumer reporting agency may furnish a consumer report under the following circumstances and no other : By the written instructions of the consumer to whom it relates.

consumer ( c ) The term consumer means an individual.

consumer reporting agency that compiles and maintains files on consumers on a nationwide basis The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling evaluating, and maintaining, to furnish consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide.
Product: Student loan

Starting in XX/XX/2022 I have been reaching out to mohela to find out how my application was going. I sent inmy new application for pslf per mohela request when they took over my student loans. They sent back an auto reply that stated to give them 90 days to process applications because they were being inundated. Since then I have sent 7 messages. I have been unable to get a hold of a customer service rep and when I finally did yesterday they told me they have never received my application and that since they hadn't I no longer qualify for the limited pslf waiver. They then decided to transfer me to a manager because I stated why would I be calling and sending multiple messages if I never sent an application? I held on the phone for an hour and a half with no answer, just holding music. This is just XXXX problem I'm having with them. I have multiple, but they only reply with auto reply on the secure messaging that is not helpful. They have made it too difficult to contact them and my loans are being grossly mismanaged. At this point I don't know if I need to get legal representation. All my messages are secure on my site and it is obvious I have been reaching out for months to try and figure out where my application is, why my eligible payments aren't rolling over and also I submitted a decrease in working hours and requested they change my monthly payments based on this. None of this has even been addresses. This is a horrible company and XXXX begging for help. I'm a XXXX XXXX who has worked through the pandemic with covid in XXXX XXXX patients. I have worked for the same company that is non profit for 12 years. I am the poster child for pslf program. Please help me. Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a complaint on XX/XX/XXXX about an unauthorized inquiry and received a response that it would be deleted. This has yet to be deleted from my credit reports across all bureaus. 

XX/XX/XXXX Re : CFPB complaint # : XXXX Dear Mr. XXXX : Although the information provided with this complaint matches the information submitted with the credit application, in response to your complaint, they sent a request to the credit bureaus to remove our inquiry from your credit file. o They sent you a confirmation letter. We hope the above information clarifies this matter. Sincerely, XXXX XXXX Resolution Specialist
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT FROM XXXX ACC # XXXX, IS REPORTING ONE LATE FROM XX/XX/XXXX OF XX/XX/XXXX TO THE CREDIT BUREAUS WHICH I BELIEVE THAT NEVER HAPPENED, IT MUST HAVE BEEN A BANKING ERROR, PLEASE HELP ME TO RESOLVE THIS SINCE THEY ARE NOT WILLING TO REMOVE THIS ALTHOUGH I HAVE PROVIDED THE CREDITORS APPROVAL LETTER TO THEM FOR APPROVAL TO REMOVE THE LATE PAYMENT INACCURACY. 
PLEASE FIND ATTACHED THE CREDITORS LETTER THANK YOU
Product: Credit card

Why is it that banks will offer Balance Transfers at 0 % interest but wo n't lower an existing interest rate? I 'll tell you why. The financial institutions in this country are out of control again, and I " WILL NOT '' bail them out again. I, like XXXX other Americans were so XXXX the last time, I may never get to retire. Do something about the financial institutions in this country before it 's to late.
Product: Mortgage

PennyMac stole {$1700.00} out of my Escrow account. 
In XXXX 2016, my Escrow balance was {$770.00}. I made a payment of {$2300.00} into my escrow, and my real estate taxes ( {$1400.00} ) were paid this month ( XXXX 2016 ). I should 've had a remaining escrow balance of {$1700.00}, but PennyMac listed my remaining balance as {$15.00}. 
The problem has continued to compound throughout 2016. My XXXX 2016 Escrow balance should be {$2600.00}. PennyMac shows it as {$750.00}. There is a {$1900.00} discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL FTC VIOLATIONS REPORTED TO THE FTC AND NOW YOU COMPANIES : XXXX  XXXX XXXX XXXX {$610.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX  XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$610.00} High Balance {$610.00} Remarks -- XXXX XXXX XXXX {$500.00} Account Details Last ReportedXX/XX/XXXXCollection Agency XX/XX/XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$500.00} High Balance {$500.00} Remarks -- Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 75 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$4500.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$3000.00} Times 30/60/90 Days Late 3/3/2 Remarks Charged off account XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Deposit Related Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$230.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late Last Reported XX/XX/XXXX Creditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 39 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$100.00} Highest Balance {$98.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/3 Remarks Fixed rate
Product: Credit card

I have been with Capital One for XXXX  years and they have closed both my checking and credit cards. My banking account was closed in XXXX with no real explanation of why other than violating terms and conditions. I was not advised by letter or email on the closure. I went to my app and that was how I was notified. 

I also have 2 credit cards with them and on XX/XX/XXXX both of my credit cards were closed and I did not receive any notice yet again. When I tried to call to get more information I was advised that it was due to a return payment in XXXX. When asked why I was being penalized for something that happened a year ago I was told I did not follow terms and conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't even know where to start, there is a lot of incorrect information showing on my credit report, As soon as I realized that I contacted the credit Bureaus via letter, they are not answering me and they said they opened an investigation. They are not providing any kind of clarification and at this point I'm starting to feel frustrated.
Product: Debt collection

To whom it may concern, I am writing to dispute a collection appearing on my credit report. I have attempted to contact Southern Management System several times. I've never received any debt validation from them. I am trying to remember owing this company. However, I can't recall. As you can see from my report, I always pay what I owe and would never deny it. That said, I ask that this be reinvestigated and that a debt validation be provided to me at my email on file. According to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ), and Under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint to the credit bureau in order to notify them AGAIN that I was a victim of identity theft. I want to challenge any improper items that are appearing on my credit record, but it looks like the credit bureau could care less. I require the materials to be taken out of my file as soon as possible because this is a flagrant breach of FCRA laws. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Debt collection

I submitted a complaint ID XXXX dated XX/XX/XXXXXXXX  for XXXX XXXX XXXX and they never responed. Now, Apelles collection has send two letter dated XX/XX/XXXXXXXX  which I called them and explained I have already file a claim with CFPB about XXXX. Now, XX/XX/XXXXXXXX  Apelles sent a new letter with invoice dated XX/XX/XXXX. What I found on XXXX dated XX/XX/XXXXXXXX  is that they claim customer cancel-termination chg ( XX/XX/XXXX to XXXX no other printed. However, I never call to cancal my service on XX/XX/XXXX. 
XXXX they came to reconnect service because they were issues with XXXX always stating I was late on payments which was never the case. 
XXXX stopped undating my service and the alarm would go off every night from midnight to morning until I disable the equipment. Therefore XXXX canceled my service XX/XX/XXXX.