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

I received a reinvestigation letter dated XX/XX/2021 response from LexisNexis case XXXX regarding incorrect address and the Bankruptcy, stating the information was VERIFIED. I had requested a Legal Method of Verification of DATA FURNISHER for the Bankruptcy, which I didn't received. I received a document response through Consumer Financial Protection Bureau on XX/XX/2021, from LEXISNEXIS that Ms. XXXX 's profile was REMOVED. But I keep getting letters in the mail from LEXISNEXIS stating all their investigations are all VERIFIED, I am not understating how the information was legally verified. Especially now when LexisNexis is inaccurately reporting information within their company of my records they have on file, from unverified sources, even when the courts stated they don't report any Bankruptcy files to any credit reporting agencies. I am including the documentation that was sent to me XX/XX/2021.
Product: Credit reporting or other personal consumer reports

Equifax is reporting Information that belongs to someone else. I notified on several occasions to ensure they have the most accurate information in my credit file at all times. Equifax was asked to delete the following inaccurate information from my credit file within the following 30 days. I know that they have up to thirty days to meet my requirements. I did not receive any updates from Equifax during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that Equifax incorrectly reported and should be deleted immediately. 


XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX, XXXX XXXX  with account # XXXX and a balance of {$1300.00}. The original creditor is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Secured loan with account # XXXX opened on XX/XX/XXXXXXXX XXXX Charge account with account # XXXXXXXX XXXX XXXX with account # XXXX and a balance of {$0.00}. 

XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My girlfriend and I broke up, she didn't take it too well so she started tripping out and called the police, the police told me I had to leave, she would not give me any of my possessions ( my wallet which contained my debit card, social security card, etc ) my social security money is deposited on the XXXX of every month at XXXX, my wallet was in her possession from XX/XX/2022 to the evening of XX/XX/2022, there were 2 withdrawals on XX/XX/2022 the first withdrawal occurred at approximately XXXXXXXX XXXX and was followed by a second withdrawal at XXXX XXXX. I have not ever nor will I ever give anyone consent to use my card, I called my bank which is " direct express '' and I made a report, I repeatedly told them that I have not given anyone permission to use my card and that I wanted the money that was stolen to be reimbursed and for legal action to be taken on her for stealing it, they denied it and told me I gave her consent to use my card, which again I have not and will not ever consent to someone using my card. They denied my claim and told me that I gave her permission, so direct express has failed to do a proper investigation of my claim and are denying the reimbursement, I have paperwork, evidence, and I've filed police reports and I hand wrote a statement as well, my rent is due towards the end of this month and I have not been able to get food either, I intend to file a lawsuit against direct express bc due to their inability to do the job that they were hired for and it has caused a variety of issues for my quality of life, I did research and everything I read said I needed to file a complaint through this site, please help me obtain the justice that direct express wrongly denied me of.
Product: Checking or savings account

Trying to get a XXXX XXXX XXXX  and my bank would not approve my funds
Product: Debt collection

On XXXX the XXXX I received a summons for a debt whch I had been making some monthly payments on. The amount of either {$6500.00} or {$6800.00} seems to be too high an amount. 

First, when contacted in XXXX, 2018, I had no proof that XXXX XXXX XXXX initially in 2018 was a valid creditor, and their main tactics seemed to be intimidation and threats to sue if large sums of money were not paid to them. The customer service individuals were clearly overseas and improperly trained. Eventually to avoid my own distress after encountering challenges due to domestic XXXX, I agreed to a monthly payment amount. 

This company seemed violate consumer laws in trying to threaten and intimidate individuals,, and show no respect or compassion for consumers encountering difficulties, such as lost jobs, or a move across the country. I initially endured harrassing phone calls, and minimal response to my statements and situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 45 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

on XX/XX/2021, i check my credit report and notice a collection from MJ ALTMAN COMPANIES , INC about a debt that is not mine. I have never owed XXXX XXXX anything and if not removed from my credit report i will consult a attorney.i attached a copy below of the letter to them.
Product: Checking or savings account

Capital one Bank has been having issues with direct deposits being in accounts. It's been almost 3 days and they have not released any deposits. They also have not issued any statements on why or when the issue will be fixed.
Product: Credit card

Order number XXXX. On XX/XX/XXXX I opened a Macys credit card to use the promotional offer of 25 % your first purchase which I had to do online because I had not received my physical card. I received my package with item missing. I emailed them about and they never replied or answer calls. About a month later they called back asking why I didnt send my first credit card payment. I told them I had no way to because they never sent me the physical credit card so I can access the credit card portal. On top of that I have not received credit back for item missing. I also informed them they need to send me a new card because it may have got lost in the mail. I also told them they should remove any late fees as it was an issue with their end. They agreed to all the above and about a month later last week I realized my bill has changed and the new card has not been sent. I called them today to ask why and they said they never submitted a claim for a new card and that my refund claim is denied. So now my credit card is saying I owed over {$200.00} when it should be less than {$100.00}. I will never buy anything from Macys again. I want to sue them as well for wasting so much of time and for emotional distress.
Product: Checking or savings account

I was trying to sell something and I got an email from the person that looked like it was from XXXX then the person proceeded to scam me. The person took {$500.00} dollars and even though I called the bank not long after it happened the bank refused to refund me the money because " I authorized the payment '' when I literally got robbed {$500.00} dollars, they said it wasn't an error when I lost {$500.00} dollars. I am making this because I would like to know if there is any chance I could finally get a refund. I called the bank many times and even asked for a chargeback and asked to dispute the charge and the bank denied what I asked for.
Product: Checking or savings account

So my account was being in the negative every time my checks would be deposited into the account, Wells Fargo would take money from my checks were I would have to pay bills but I couldnt pay them because they kept taking money from me. Ive had my debit card on file with apps I would cancel the subscription from but it was still charging mg account so I did get that situated but Wells Fargo kept charging me a {$35.00} over draft fee with is unnecessary because they shouldnt still be charging me a overdraft fee after I than took care of the problem with the other company that was charging my card. So I called Wells Fargo and they said they couldnt give me all of my {$35.00} over draft fees they had been charging my account all the way back in XXXX. They only gave me like XXXX payments of the {$35.00} over draft fee with was last year in XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

- In accordance with the fair credit reporting act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account XXXX has violated my rights. 
- 15 U.S.C 1681 section 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 a 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 if of information, Other than the record of conviction of crimes which antedates the report by more than 7 years - 15 U.S.C 1681-2 ( A ) ( 1 ) A person shal not furnish any information relating to consumer to any consumer reporting agency if the knows or has reasonable cause to believe that information is in accurate Equifax XXXX XXXX and XXXX Call 3 reporting agencies falsely reported on my credit report they reported an an accurate balance on a repossessed vehicle not including the price that they auctioned off the vehicle for resulting in my credit report showing false numbers my debt owed I have proof from the lender that the balance is in accurate on my credit report which I will include in my complaint On the XXXX XXXX letterhead page it clearly shows my remaining balance is XXXX meanwhile all three credit bureaus are reporting my current balance as XXXX Also this account name is in proper this account name should be listed as a credit sales agreement due to the fact that the dealership did not give me a loan directly they sold it then the highest bidder approve me of the loan Also the original balance is clearly XXXX When all three credit bureaus or falsely reporting it as XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$710.00} XXXX  XXXX {$130.00}
Product: Credit reporting or other personal consumer reports

My credit report contains mistakes under 15 USC 16c-2, with inquiries I didnt authorize, which are damaging my score. Please delete all unauthorized hard inquiries.
Product: Credit card or prepaid card

I contracted with the GENESIS FS CARD SERVICES for a credit card AND UNBEKNOWNST TO ME I was not given full disclosure which is a violation of Regulation Z of the TILA ( TRUTH IN LENDING ACT ). I authorized permission to representatives of the company to discharge the total amount of the debt in full pursuant to HJR 192 and Public Law 73-10 and was not given proper remedy.
Product: Debt collection

Collection agency has been calling my cell phone over the last couple of weeks. I have sent them a cease and desist letter and they continue to call. I try answering my cell phone when they call but there is no one on the line.
Product: Credit reporting

For most of my life, i 've used cash and never really knew what credit was growing up. Over the last year, I noticed some fraudulent items on my credit that I did n't open. They are all over the XXXX Texas area, and the local police department does n't want to seem to help because its hard to find them. My credit suffered, not as I used it anyways but still, I do n't have a good start. I went online a couple of times to dispute stuff, and nothing happened. Since having my report ran and talked with the federal trade commission, they advised submitting documents to credit bureaus and the negative source who is saying. And to keep responses and when it was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Debt collection

I am disputing Fraudulent Accounts and Identity Theft under 18 U.S.C. 1028 and also requesting verification of this debt under 15 U.S.C. 1681g I have continued to request for this information to be verified and it still hasnt I want to receive. 

1. The original contract or agreement I signed with the creditor.

2. A detailed accounting of the debt, including all charges and fees.

3. Verification of the debt, including the name and address of the original creditor.

4. A copy of any judgment or court order related to the debt 5. Also a statement showing that this debt collector is allowed to collect debt in the state I live in.

Im also attaching a copy of my unemployment I was receiving at the time showing that I was living in the state of Pennsylvania at the time for the identity purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX  XXXX {$3200.00}
Product: Credit reporting or other personal consumer reports

During the month of XXXX I decided to call US bank home loans to ask for help due to damages caused to my home during a storm not covered by my home insurance. During that request, I was offered a forbearance period of two months. It was my understanding that payments would resume the month of XXXX based on the 2 month request I had made. I called US bank to ask why I was receiving late letter notices and was advised to disregard these letters due to my forbearance period. I am now being told that the payments were due XX/XX/XXXX and a 60 day delinquency has been placed on my credit bureau reports. I have spoken to three different reps and no one takes accountability for their mistake. This has severely impacted my score and I find the way this was handled unacceptable and damaging to the consumer. Please help!
Product: Mortgage

My loan was sold to Specialized loan servicing from XXXX. I had filed bankruptcy as a defense of the sale of my home and that is when the mortgage was transferred. The bankuptcy was dismissed because the payments were very high can could not be maintained. Specialized Loan servicing informed me that I could make the payments to them regardless of the bankruptcy. I paid the XX/XX/XXXX and the XX/XX/XXXX however, when I called to make the XXXX payment I was informed I had to bring the loan current. They refused to take any more payments from me. I attempted 4 times during the XXXX to obtain a modification and SLS would tell me that the payment plan did not work out and the interest rate could not be changed. I have an adjustable rate mortgage with an arm and felt that explanation was not credible. 

Over the months of receiving the modification packages they never told me they were not authorized until XX/XX/XXXX. For the entire SLS held the mortgage hostage with the intent of foreclosing to gain the equity in the home. I went to the NC hardest hit funds and was told that I qualify for funding but I had to come up with " Gap '' funds so I went to my credit union paid for an appraisal and qualified for the funds only to be told they would not extend the dollars to me because I was taking a HELOC. I have al lthe written correspondance that supports each and everything I have said. 

I need help saving my home..I have lived here for almost 19 years. My daughter was raised in this home and it would be very traumatic for her to be uprooted given she suffered a XXXX break in XX/XX/XXXX and she is recovering here in the home. I work full time and I can afford to pay my mortgage if they would reinstate the mortgage, I have spoken with XXXX XXXX as they are the owners/ investor of the loan however, they have denied having the authority to modify the loan as well. This is my only home and when the default occurred I owed XXXX but it is much higher due to interest and fees that have been applied. fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself to inform you that the items are reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax required to verify for themselves, but they failed to neither verify nor update me about these complaints. PLEASE REMOVE the listed accounts below from my report : ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX )
Product: Debt collection

I explained to them DRS  that because I have no signed agreement with them and this account has been charged off I do not owe them. They must provide me with verification that we have entered into a contract. We have not. The law states that they must prove that I owe them ; that I entered into an agreement with them. They have not proved this ; they conceded that we have no contract/agreement, that the credit company wrote it off and in fact has given me another account. I have tried unsuccessfully to have this removed from all of my credit reports. It is unethically and unlawful. Please remove off of all 3 reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I clicked one button to view offers ( as it claimed ) to see new auto-rates through XXXX, I made sure that in the title that It didnt say it would do a hard inquiry. I pressed one button & it prompted me to fill out a form which then I proceeded to back out of because it didnt show me rates right away. Then I got 5 or 6 hard inquiries with the source being Rategenious & I DID NOT approve nor give consent to the company to do any further digging into my account or share my personal information. 
I contacted XXXX 3 times & each time they said to contact the individual companies. I did & the rategenious supervisor said to file a police report because thats the only way they will remove it
Product: Debt collection

Way Point Resource Group which was originally XXXX I guess it's been on my credit for at least 5 years now but it's saying it's only 7 months old they keep bumping it to a different debt collector so that it keeps the debt open I don't even know of this and when it was established or what residence it was at
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my Cash App account ( $ XXXX ) was closed for unexplained reasons. I have {$170.00} balance. I've tried linking other bank accounts and sending the money to other people to withdraw the funds, and get messages saying a card can not be linked at this time. I've sent messages to Cash App Support and I get the same automated responses. Bummed that my account has been closed, but I simply want my {$170.00} out of it and I'll cut all ties.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORTING COMPANY EXPERIAN, XXXX, AND XXXX SHOWING WRONG INFORMATION ON MY CREDIT REPORT. 
MY ADDRESS IS WRONG AND MY PHONE NUMBER IS WRONG, I GUESS IT'S FROM IDENTITY THEFT. THEY STEAL MY INFORMATION AND APPLY FOR SOME CREDIT CARDS. I ASK TO REMOVE ON CREDIT REPORT AGENCY ALREADY AND I HOPE THEY CAN REMOVE OR DISPUTE ON MY CREDIT REPORT. 
I'M VERY SAD AND WORRIED ABOUT MY SITUATION. I APPLY A SENIOR APARTMENT AND I FIND OUT OUT WRONG INFORMATION ON MY CREDIT REPORT THIS YEAR. PLEASE REMOVE THIS. I HAVE NEVER HARMED SOMEONE AND DONE BAD THINGS BEFORE. WHY DO I HAVE OTHER PEOPLE 'S INFORMATION ON MY CREDIT REPORT THAT IT MAKES ME HORRIBLE TIME? PLEASE REMOVE IT FROM MY ACCOUNT. I'M ALREADY SAD AND HOPELESS NOW. PLEASE DO NOT HURTS ME NO MORE. THANK YOU.