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

Subject : Request for Investigation of LexisNexis XXXX XXXX for Willful Non-Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) initiate an investigation into LexisNexis Risk XXXX XXXX XXXX ( LexisNexis XXXX XXXX ) for what I believe to be willful non-compliance with the Fair Credit Reporting Act ( FCRA ), which has resulted in a violation of my federal rights. 

On XX/XX/year>, I sent a letter to LexisNexis XXXX XXXX XXXX XXXX, requesting validation of their verification of XXXX Record XXXX. This letter was sent via certified mail with tracking number XXXX, and it was received by the LexisNexis XXXX XXXX on XX/XX/year>, at XXXX XXXX at their XXXX XXXX XXXX address in XXXX, GA XXXX. 

Despite my request, I have not received a satisfactory response from LexisNexis, nor have they provided any evidence of proper validation of the bankruptcy record in question. This failure to respond appropriately is in direct violation of the FCRA, which mandates that consumer reporting agencies must investigate and verify disputed information within 30 days of receiving a dispute notice. 

The failure of LexisNexis to comply with the FCRA has caused me significant distress, including loss of sleep and the need for sleeping medication. I can no longer tolerate this situation, which has severely impacted my well-being. 

I respectfully request that the CFPB take the following actions : Investigate LexisNexis Risk XXXX XXXX XXXX for willful non-compliance with the FCRA. 
Demand the immediate deletion of XXXXXXXX Record XXXX from LexisNexis 's records. 
Ensure that LexisNexis ceases and desists from further dissemination of my personal information without proper validation or my written consent. 
Please be advised that if LexisNexis fails to comply with this request, I intend to pursue legal action for their willful non-compliance with the FCRA. 

Enclosed is a copy of the letter I sent to LexisNexis, as well as documentation from the Bankruptcy Court dated XX/XX/year>, which confirms that they do not provide information regarding case filings or dispositions to credit reporting agencies. 

I trust that the CFPB will take swift and decisive action to address this serious matter. I look forward to your prompt response. 

Thank you for your attention to this matter. 

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

LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment.
Product: Mortgage

Ive tried to make several attempts with my lender State Home Mortgage to bring my account current. They have returned several payments. They have never offered me a forbearance, payment plan, nor a loss mediation option. 

All communications amongst XXXX XXXX ( Supervisor ) and I were total fabrications and a waste of time. Every time he quoted a different amount and expressed how They Do Not Except Partial Payments.Which after being told by Ms. XXXX ( account manager ) and himself so many times it became redundant. 


I XXXX a payment of {$1000.00} on XXXX XX/XX/2018 and XXXX XXXX XXXX mailed a payment for the remaining balance due. SHM denied receiving the check for two weeks, rejected my XXXX, then said they had the check however it was titled incorrectly. XXXX XXXX XXXX mailed them a check titled the same way in the amount of {$380.00} and it was cashed. While the money order I dropped off was returned to me twice as partial payment. 

Mr XXXX also violated the Privacy Act on XX/XX/2018 by releasing private non public information about my mortgage to a XXXX XXXX ( volunteers at church ) without my consent to release any information.
Product: Checking or savings account

In XXXX of XXXX, my book-bag, phone and other personal items including my Schwab Bank debit card were stolen while I was traveling out of the country. Upon my return I learned of the theft and that my Schwab Bank account was accessed and {$70000.00} were stolen via unauthorized ATM access - I promptly notified Schwab of the theft less than 2 business days after the last ATM transaction was made. 

Soon after, I was put in contact with Schwab 's representative for my case, XXXX XXXX and I provided him with evidence that I was out of the country during the ATM theft, and a copy of the police report I filed as to those facts. 

Unfortunately I succumbed to COVID in summer of XXXX and was unable to follow up on the case after Schwab unceremoniously notified me via letter that they rejected my case. 

This year, XXXX, I was able to revisit the case and get in contact with XXXX XXXX and his XXXX, XXXX XXXX to request my case be reconsidered. I proceeded to relay the facts of the case to XXXX and asked her for evidence to support their rejection of my case. XXXX proceeded to cite IP address data Schwab collected that allegedly indicates my stolen phone was in the area in which the ATM withdrawals occurred. I clarified as per my original communications with XXXX that my phone was stolen along with other personal items while I was in XXXX and that I in fact did not authorize any ATM withdrawals from my account. Additionally, I asked XXXX if Schwab had reviewed the ATM footage which would have clearly showed I was not the person making the withdrawals- this is something XXXX had communicated they would investigate in XXXX - XXXX refused to respond to this question. 

Given the above, I asked XXXX for additional clarification as to how their decision complies with Regulation E, specifically 12 CFR Part 1005.5 ( b ) .4 guidelines around account access and consumer liability. XXXX 's response was that they are not required to share additional details of their investigation and that the matter was closed.
Product: Debt collection

Hello, The following company Su n Loan is  not bonded in the state of TX and legally can not collect debt in TX. Please remove from my credit report.     Please remove from my credit report and debt is not owed.
Product: Student loan

We are writing as a collective group of defrauded students and alumni who attended XXXXXXXX XXXX urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education has XXXXlready found significant evidence of misconduct by these schools. Specifically, XXXXXXXX XXXX misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions. 
2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter.
Product: Vehicle loan or lease

Problem with how Kia Auto finance manage consumer loan payment. 
Bought new XXXX XXXX in XX/XX/XXXX. 
First payment due was XX/XX/XXXX. Set up auto debit in XX/XX/XXXX to be deducted from our checking. 
Payment was also deducted on XX/XX/XXXX ( XX/XX/XXXX was Sunday ). 
The problem start with XX/XX/XXXX payment. There is no debit from our bank, checked on XX/XX/XXXX on Kia Auto finance website, said that it was 1 day past due, tried to call company but line not available. 
Call back on XX/XX/XXXX, was told that their system was down, when asked why they did not put transaction through second time since we have auto debit set up, The rep was not able to give any explanation. He kept saying that if I paid over the phone, he would waive transaction fee.??? 
My issue is that 1. If there are auto debit in place, regardless of what happen on their end, why they did not put through transaction again. What is the point of setting up auto debit?? I decided that I am canceling auto debit. I will handle payment myself 2. Today is XX/XX/XXXX. Kia took out payment for XXXX and XXXX payment. Why 2 months since the payment due for XX/XX/XXXXis only for 1 pay and I was not late with my payment. 
3. When asked rep, how I would be assured that this issue would not be happening again, there were no answers .... I think this is unacceptable and a better solution needed to be putting in place in company policy. 
4. I want to send this whoever in charge of this company that I will never buy XXXX vehicles again. There are many options out there and if this is how they handle the payment then this is not for me. I will also not recommend This company to anyone.
Product: Debt collection

ON XX/XX/XXXX, I RECEIVED A CALL FROM XXXX AT XXXXXXXX XXXX. IT WAS A AUTOMATED MESSAGE INSTRUCTING ME TO CONTACT SHEER GREEN AND BURKE AT XXXX IN AN ATTEMPT TO COLLECT A DEBT. 
I CALLED AND SPOKE WITH A XXXX WHO TOLD ME THAT THE DEBT WAS FROM " XXXX XXXX '' IN THE AMOUNT OF XXXX FROM THE YEAR XXXX AND THAT THEY HAD UPDATED THE FILE IN XXXX ; THE FILE NUMBER IS XXXX. PER THE OHIO REVISED CODE Section 1303.16 | Statute of limitations - UCC 3-118. 
THE STATUE OF LIMITATIONS FOR DEBT COLLECTION IN THE STATE OF OHIO IS SIX YEARS. XXXX WAS 18 YEARS AGO AND XXXX WAS 14 YEARS AGO, BOTH DATES THAT THIS ALLEGED DEBT IS OUT OF THE SCOPE OF THE TIME THEY WAS ABLE TO COLLECT. 
I ALSO REQUESTED DEBT VALIDATION, INCLUDING THE ORIGINAL CONTRACT WITH MY SIGNATURE AND DATE ON THE CONTRACT AS WELL AS ITEMIZED STATEMENTS. 
XXXX THE REPRESENTATIVE FOR SHEER GREEN AND BURKE TOLD ME THAT SHE WAS UNABLE TO PROVIDE THAT FOR ME AT THE TIME AND THAT SHE WOULD PUT IT IN MY FILE ; SHE ALSO GAVE ME A FILE NUMBER OF XXXX
Product: Credit reporting or other personal consumer reports

After checking credit profiles connected to me, I have learned that XXXX XXXX company are the cause of many adverse reactions and retaliations placed upon me. I have never given XXXX XXXX permission to furnish personal information and inaccurate information. 

XXXX XXXX has no permissible purpose to furnish this account. I would never volunteer for my any personal information be placed in the public eye let alone my personal information be shared and sold for profit by affiliate sharing. This is a violation of Fair Credit Reporting Act & Fair Debt Collection Practice act. 

Violation : 12 CFR 1016.10 LIMITS ON DISCLOSURE OF NONPUBLIC PERSON INFORMATION TO NON AFFILIATED THIRD PARTIES. 

XXXX XXXX this is your notice to Cease & Desist all communications regarding this matter until all record of documentation on record of books of accounting, validation, method of validation, wet signature of contract, all is provided to me. Please send everything by U.S mail. 

XXXX XXXX did not provide me with proper disclosure to opt-out of credit reporting as the option to opt-in. I was not giving full disclosure so any decision made I was uninformed and things was not clear. Per : VIOLATION ; 12 CFR 1016.7 FORM OF OPT OUT NOTICE TO CONSUMERS : OPT OUT METHODS. 

Please by me understanding my consumer laws and rights the creditor XXXX XXXX, XXXX, Transunion, & XXXX has violated the following : According to 15 USC 1681 section 602 ( a ), I have the right to privacy. Furthermore, as outlined in 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing an account without my written instructions. Additionally, as per 15 USC 1681 ( c ) ( a ) ( 5 ) sections, consumer reporting agencies are restricted from including certain adverse items of information in consumer reports, except for records of conviction of crimes dating back more than seven years. Lastly, under 15 USC 1681 ( s ) ( 2 ) ( a ) ( 1 ), it is stated that individuals are prohibited from providing inaccurate information relating to a consumer to any consumer reporting agency if they have knowledge or reasonable cause to believe it is inaccurate. 

I am exercising my rights under 15 U.S CODE 1692k - Civil liability that each mention violation not exceeding {$1000.00} : or in case of class action...
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter of dispute to Experian, XXXX, and XXXX on XX/XX/2023. I explained that the account for XXXX XXXX was reporting incorrectly. The account was charged off and keeps reporting as being updated each month. All 3 bureaus came back stating the reports were updated without providing me with the proof or documentation used to validate the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint more than 30 days once again I 've been disputing inaccurate information for almost 5 months and still have n't received any verification from credit bureau or companies, under the fair credit act they have 30 days to respond or it should be deleted off my report acceptance now, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are reporting charge off these accounts are no  longer accountable the debt was sold and written of on taxes therefore u can no longer come after the person, and XXXX XXXX never was I late, I also have mutilple hard inquiries that were added back to my account I have not applied for any loans or credit card so please remove all non account holding over 30 days old this is about my third complain yet not to mention have n't received any information or verification
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you verify the documents? Several of the listed accounts have incorrect reporting, amounts, and dates.
Product: Student loan

I had a loan of a little over {$500.00}. It was paid some time in 2011. Unfortunately I do not have the paperwork for the payment because it was made by my ex husband whom I am unable to contact. A couple of years ago, Navient started calling me saying it was never paid. They have destroyed my credit to the point I count even be added to a mortgage on my home with my husband.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$450.00}
Product: Debt collection

I sent letters off on XXXX, to SOS GROUP for the alleged debts of {>= $1,000,000}, and XXXX that I do not owe and I have not heard from them nor received the requested information that I asked for. I never had any dealing with them nor owe them any money concerning any debt. 

Dear SOS GROUP DBA HEAD MERCANTILE CO INC : I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( XXXX ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( XXXX ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( XXXX ) ( Audit Trail ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.
Product: Mortgage

Hi, my name is XXXX XXXX and I would like to file a complaint on Capital Network Funding in XXXX, CA. About a week ago i had submitted documentation regarding to a mortgage refinancing with today 's low 30 years fixed interest rate thru this mortgage lender. First I was approved base on documents i had submitted to the lender which includes income from XXXX for XXXX, our XXXX month worth of paystubs from our employer prior to family leave, XXXX 's for XX/XX/XXXX and XX/XX/XXXX, and XXXX months worth of bank statements and I also signed the initial disclosures package from the lender. A day or XXXX days after i submitted these documents needed from the lender, I received a phone call and an email stating that my wife and I are not approved due to our supplement income from family leave and the mortgage company will not proceed unless my wife and I are fully back to work with verifiable income from our employer. The cause is for us to go back to work and cut our family leave time short in order to get an approval and proceed with the loan. 

Below is a copy of the email from the mortgage company statingDate : XX/XX/XXXX XXXX XXXX ( XXXX ) To : " XXXXXXXXXXXX ' '' & lt ; XXXXXXXXXXXX & XXXX ; Cc : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; Subject : RE : Your Loan Proposal- Network CapitalXXXX. XXXX, I have your file ready to go to underwriting, but I need you to return to work ASAP to use your income to qualify for the loan. 

Please advise when this can occur so we can secure the rate lock. The rate will not be locked nor can I honor the exception until I have a WVOE or assurance that you have returned to work. 

Let me know when this can occur. 

Thank you. 


Sincerely, XXXX XXXXManager | Direct LendingPlease see below press release XX/XX/XXXX if I may fall into the same category and advise what I should do. 

HUD No. XXXX XXXX ( XXXX ) XXXX XXXX FOR RELEASETuesdayXXXX XX/XX/XXXXHUD SETTLES DISCRIMINATION CLAIM AGAINST CALIFORNIA MORTGAGE LENDER ALLEGING IT DENIED LOANS TO WOMEN ON MATERNITY LEAVEWASHINGTON - The U.S. Department of Housing and Urban Development ( HUD ) announced today that XXXX, CA based mortgage lender XXXX XXXX XXXX will pay {$48000.00} to settle allegations that it violated the Fair Housing Act when it denied or delayed mortgage loans to women because they were on XXXX. 


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

I was sent a credit alert on XX/XX/, stating that there were XXXX inquiries on my account, XXXX from XXXX and XXXX from Bank of America that I did not authorize. I immediately called XXXX and they walked me through what I needed to do. They reccomended that I filed a complaint with you also. I also froze my credit reports.
Product: Student loan

I had my normal student loan payment of {$130.00} due on XX/XX/XXXX. I made my payment in the late evening on XX/XX/XXXX. The next day on XX/XX/XXXX I got my next bill saying I have a past due amount of {$130.00} and my current amount of {$130.00} due on XX/XX/XXXX. I tried to call Mohela on XX/XX/XXXX to discuss this and I could not get through to someone. The automated response said I was 4 days delinquent when my payment is pending. I'm not sure if there's anything you can do but this doesn't seem fair. I made my payment on time.
Product: Checking or savings account

In regards to prior filed complaint XXXX, TD Bank of XXXX NY once again failed to keep their word to a costumer after failing to do their job initially. The original amount of {$5400.00} that was promised to be returned after they failed to ID an unknown costumer, was NOT fully reimbursed as they stated it would be. The amount that was refunded was {$5100.00} which is {$250.00} PLUS INTEREST short of the initial amount. This problem has occurred nearly 10 months ago and they have still not managed to clear this matter up.