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

I, XXXX XXXX XXXX, XXXX, am filing this complaint against LexisNexis regarding significant inaccuracies in my consumer report. The report contains a mix of information belonging to my father ( who shares the same name ) and potentially fraudulent information resulting from identity theft. These inaccuracies have caused substantial harm to my financial standing and reputation. 
Detailed Explanation of Errors : Information belonging to my father : -NAME & ADDRESS Information believed to be from identity theft : CRIMINAL CASES, ADDESS, AND PHONE NUMBERS Previous Actions Taken : I have successfully contested several fraudulent accounts through legal action. Specifically : XXXX XXXX. XXXX XXXX XXXX. XXXX These court decisions demonstrate that I have been a victim of identity theft and that many of the accounts on my report are fraudulent. 
Impact of Errors : These inaccuracies have severely impacted my financial life, including : Denial of credit applications Higher interest rates on loans Difficulties in renting property Request for Action : I formally request that LexisNexis : Remove all information belonging to my father Remove all information related to fraudulent accounts Conduct a full investigation into the source of the incorrect information Provide a detailed, written report of their investigation and actions taken Supporting Documentation : I have attached the following documents to support my claim : Highlighted copy of my LexisNexis report showing incorrect information Court decisions related to fraudulent account removals POLICE REPORTS Follow-up : I request a written response detailing the actions taken and results of the investigation within 30 days of receipt of this complaint. 
This situation has caused significant stress and financial hardship. Prompt attention to this matter is crucial to prevent further damage to my credit standing and financial well-being. 
Thank you for your attention to this serious issue. I look forward to a thorough investigation and swift resolution. 
Sincerely, XXXX XXXX XXXX, XXXX.
Product: Debt collection

No. XXXX. The matter is reported to the authorities. United States Department o Education, get these illiterate, ignorant, incompetent, perjurous, panhandling frauds out of my inboxes. XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Product: Payday loan, title loan, or personal loan

I got into a loan agreement with Green Trust Cash on XX/XX/2019. I am now in a financial hardship and can not make the payments. I have tried contacting this company through email to try and re-negotiate the loan to lower interest rates and payments but they are refusing to work with me. I borrowed {$500.00}. I was charged an interest rate of 474.9736 % with 10 payments of {$170.00}. So far I have paid {$1100.00} towards this loan. If I continue on with the current payments, I will have to pay a total of {$1700.00} on a {$500.00} loan.
Product: Mortgage

We started a loan with XXXX XXXX XXXX in 2007 when we bought our current home. After a few years we were transferred over to a company called OCWEN ( without our permission ) and eventually the problems started. After several more years, we were transferred to PHH Mortgage ( again without our permission ). Our main complaint / concern is that we now owe more that we originally borrowed. We make our payments on time every month and are getting nowhere. PHH Mortgage is a very difficult company to deal with. My husband has been on the phone with them for 3 hours straight ( at one time ) and they just pass him from person to person with no resolution to our questions. They are applying fees and penalties that we have no idea what they are or mean. They say we are behind between {$8000.00} and {$9000.00} on payments. We got a letter from them about 4 weeks ago stating we are in pre-foreclosure. At this point, we are exasperated, worried, and frustrated. We have been paying payments on our home since XXXX of 2007 and are getting nowhere. We just keep getting the run-around and feel that we are being mistreated and that our money is being misappropriated. We need help please! Let us know what you need further to address this. We are out of answers and don't want to lose our home. It is also affecting our credit scores.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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.
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! 


Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I have been unable to access my Coinbase account for over 11 days now due to problems with two-factor authentication. It is stuck on using XXXX XXXX as the two-factor authentication. Unfortunately, my old mobile phone stopped working before I could setup Authenticator on my new phone. I learned that there is no way to setup XXXX XXXX on your new phone without having access to your old phone. 

I spoke to Coinbase customer support on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX. I asked them to switch the two-factor authentication back to using SMS messaging since I have access to my phone number and email account. I sent a picture of myself and my driver 's license which were confirmed. I was told I had XXXX hours to change the two-factor authentication. However, I was unable to change the two-factor authentication from Authenticator to SMS message like customer support said I should be able to do. I was prompted to enter an Authenticator code to switch back to SMS message as my two-factor. After multiple attempts, including while speaking to a representative live on the phone, the same problem kept occurring. I was told there was no way for Coinbase to make the change for me, I could only do it myself. 
On XX/XX/XXXX, I was told that Coinbase actually could change on the two-factor authentication on the backend. I was sent a link to upload a selfie picture while holding a sheet of paper with the date written on it. That was XXXX week ago, and I have not heard back from them. This has not only been frustrating ; however I have also lost confidence that I can access my money in the form of cryptocurrency on this exchange. 
I told them to just switch the two-factor authentication back to SMS. I am tired of excuses and just want access to my account restored. I have attached screen captures from my email inbox showing some of the customer support communication. 
While a significant amount of time and effort has been spent, these efforts have not achieved access to my account to change the two-factor authentication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have tried on several occasions to contact Navient about problems that I either have with how they have handled my payments, fixing issues with my back account information, them taking multiple payments from my account, or taking extremely long times, such as 14 days to process payment from debit card payments from payments made over the phone, only to get dropped from queue or to get the run around. I have been kept on hold for 45 minutes, only to not have any of my issues resolved with them. They do not make the repayment process easy at all. Not to mention, I have been paying on a XXXX dollar loan for 10 years, only to have the balance just now be at XXXX dollars! It only takes 5 years to pay off a car! Navient are loan sharks and crooks!!
Product: Credit reporting

Within in my credit report I have that in 2010 I filled for unemployment, when this is impossible as I am self employed. On my son 's report ( he has the same name as me ), he has that he has paid a few vehicles, which were mine. So it looks like we have mixed information.
Product: Credit reporting or other personal consumer reports

Ive been dealing with the impact of unauthorized inquiries from your company on my credit report. These are harming my credit score and making things much more difficult for me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I did purchase with my PayPal account and they blocked my account, with no explanation. I tried everything ( phonecalls, mails, XXXX contact ) but they decide to hold my funds for 180 days. I still disagree with the decision to deny my appeal I will abide by it however, because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. 

Now, 6 months later I need my founds and the do not contact me or anything. 

I Still have to hold XXXX $ on my account
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities.

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I submitted a payment in the amount of {$540.00} to payoff my full balance. On XX/XX/XXXX, I logged into the portal and did not see that a payment had been processed, so I submitted another payment in the amount of {$540.00}. 

On XX/XX/XXXX, I called in and asked if there was a way for this to be applied back to my bank account. The customer service representative advised that it would take 7-15 business days. This was not fast enough considering my status of my bank account so I was able to have my bank put a stop payment on the second payment made. Since the second payment was charged back to my account by the bank, on XX/XX/XXXX, I called Amazon to see if we could put a STOP on the refund check that was issued out to me. The representative misunderstood my request and issued ANOTHER refund in error. 

On XX/XX/XXXX, I logged into my account to see that my balance was now over {$1000.00} ( way past my credit limit ) in AMAZONS ERROR. I requested to speak to a manager who informed me that the representative sent out another refund check instead of applying a Stop. The manager advised a ticket was opened to their payment processing team to put a stop on BOTH refund checks. 

On XX/XX/XXXX, I called back as I saw that one refund check had been applied back to my account but not the other. I was advised that I would only need to wait 24-48 hours for the other refund check to be credited back. 

On XX/XX/XXXX, I called in and requested to speak to a manager. The manager advised that I would have to wait 7-15 business days for this request to be processed again even though it was Amazon/ Synchrony Banks error and they apologized for my inconvenience. I again, asked for them to escalate this because this should have been worked with the original request of XX/XX/16 but advised they could not. 

On top of this refund check still not being credited back to my account, they also decreased my credit limit due to my account balance being too high compared to my limit because they sent the second refund check in error. This has negatively impacted my credit due to this limit increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion and gave notice and instructions to remove unauthorized accounts from my consumer report I also informed them that they did not have permissible purpose and no consent to report or furnish anything, No consent is considered as Identity Theft Pursuant to USC 1681b Title 15 Chapter 41 Transunion Accounts XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported a judgement against me that should not be there I have disputed over and over and I get validated. How can this be validated? Other credit agencies are not reporting XXXX Bankruptcy Discharged XXXX XXXX
Product: Debt collection

I received a notice from Aargon in the mail. made contact with Aargon and informed them that I didnt owe the amount requested because I paid them off, in a deal they offered, back in XXXX repeatedly advised that I did not owe the money & that a mistake has been made somewhere. The representative advised that the matter would need to be settled with the hospital and asked to have the hospital contact them. He didnt even try to assist me. Shortly after that day, the same representative called me asking for a card number to pay the debt. I declined and reminded him that we were waiting on the hospital to rectify the situation with them. I even sacrificed and made a payment on the account to try and provide security to the account and show that its active but were waiting. IMMEDIATELY after, the representative reported me to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received and closely studied a copy of my credit report. To my dismay, it seems as though Navy Federal is reporting an alleged Inquiry for date of service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax on XXXX and spoke with XXXX. I advised him that my credit card was not reporting on my credit and asked to dispute inquires on my report. He advised me that he could not do anything about either. My XXXX XXXX account is not reporting on my Equifax report, it is on all the other credit reporting agencies. Equifax is the reason that I spent months getting my card reactivated as they said I reported it as fraud, which was never the case. Finally after I got that fixed they stated they would put it back on my report, however that has not occurred for a year now. I want my report to be accurate and Equifax is failing to do that. When I reported this to them they said that would be up to XXXX XXXX but all other agencies are reporting it.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Product: Checking or savings account

Hello, my account was blocked because I placed a third-party check in my account via XXXX XXXX which I was told I could endorse a third-party check, but I was told after the fact it had to be done at the branch so the person who check I put in my account, she is a relative of mines and she is also my in-home service provider caretaker. We both went to the branch and she verified who she was as well as I did and let them know that she gave me permission to deposit the check my account is still blocked and I was told that nothing can come in or out my XXXX check has went to the account and they will not let me access my funds XXXX XXXX. I have XXXX and XXXX XXXX XXXX and other health issues and I pay for my own medication out-of-pocket and also I have rent to pay. Im not able to get into my account I need to know what I can do to get my funds so that I can get my medication paid for I have been without my meds for over a week
Product: Credit card or prepaid card

XX/XX/2021 had dinner at XXXX XXXX in XXXX XXXX. When the bill arrived paid {$400.00} in cash and charged {$150.00} on Citibank Visa credit card. When the statement arrived I was charged {$550.00} the entire amount. Contacted Citibank Visa and disputed the amount. Citibank decided I had to pay the entire amount and would not supply me with a copy of the receipt. Contacted the XXXX  XXXX restaurant and they said they would issue a credit for {$400.00} but that never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 Customer Service - General Inquiries | Dispute Department XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to you today to explain an incident that occurred on my account regarding the statement dated XXXX XXXX, 2017. As noted, my payment was delinquent in excess of 60 days. In XX/XX/XXXX, I paid the account in full, but due to XXXX  inaccurate payoff amount, the account remained with an outstanding balance. Thus, I assumed my payments were being made in a satisfactory manner even though they were not. XXXX reported Late Payment delinquency to the credit bureaus, and decided that it was not their fault. We think otherwise as it is XXXX XXXX error that caused this issue.