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

On XX/XX/2021, I sent a letter to LexisNexis regarding fraudulent, unverified information they have on my credit report. 

I am exercising my right under the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy 15 U.S. Code 1681i. LexisNexis is required by Federal Law to conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Much of the information they have listed on my LexisNexis report is no where to be found on any of my credit reports with XXXX, XXXX or XXXX. So where is LexisNexis getting the information from? Where are the applications, the wet signatures, proof of identity that they used to verify my information? 

They have multiple variations of my name, which all are incorrect, yet they " claim '' they've have verified it. Please ask LexisNexis to provide us proof of the information they used to verify this information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible 100 % accuracy in the credit reports you publish. Your agency is violating so many FCRA & FDCPA LAWS. 15 U.S. Code 1681A - Congressional findings and statement of purpose, & 15 U.S. Code 1681B - Permissible purposes of consumer reports & 15 U.S. Code 1681E. No consumer reporting agency may furnish a consumer report to any person or third party if it has no reasonable grounds for believing that the consumer report is accurate unless they have proof. As a matter of fact, no consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature. Please include all names and contact information of employees that you spoke to act as a part of your investigation to have proof to furnish anything on my credit report. And if you can not provide me proof you are obligated by law to remove these items from my credit profile, please.
Product: Checking or savings account

Wells Fargo open up 3 accounts between XX/XX/XXXX and XX/XX/XXXX without my authorzation and i was charge for all withdrawal overdrawn fees. i have documents for accounts. Me and my grandmother ( co ) on accounts. WE FILED A FORMAL COMPLAINT!! ON XX/XX/XXXX we made a formal complaint with CFPB CASE # XXXX XXXX sent us a letter onXX/XX/XXXX!! XX/XX/XXXX SENT FROM MAIL FOR XXXX XXXX  TO WELLS FARGO. WELLS FARGO SEND US 7 LETTERS SAYING WE DID NOT AUTHORIZED THE ACCOUNTS AND WERE ABLE TO DISCOVER THESE ACCOUNTS APPEARED IN THE RECORDS OF EARLY WARNING SERVICES. THESE LETTERS CAN BE USED AS EVIDENCE OF THIS UPDATE!!! PLEASE ACCEPT OUR APOLOGY FOR ANY IMPACT THIS SITUATION MAY HAVE CAUSED. WELLS FARGO REMEDIATION!!! CFPB PLEASE REVIEW ALL MY FILED COMPLAINTS AGAINST WELL FARGO THE OPENING OF CHECKING AND SAVING ACCOUNTS UNDER MINE AND GRANDMOTHERS NAME AUTHORIZED BY US. MAKE GOOD TO US ON ALL THE CLASS ACTION LAWSUITS THAT WE SHOULD HAVE COLLECT JUST LIKE EVERY OTHER VICTIM COLLECT ON STARTING IN XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity CB/Zales XXXX XX/XX/XXXX ComenityCB/Zales - XX/XX/XXXX ComenityCB/Zales- XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in Question is with American Express. The payment was delinquent and was eventually charged off. The problem is the American Express is refusing to update the dates correctly. This account should have been removed from my credit reports in XXXX of this year, however now it is has once again continued to stay on my report and American Express nor the 3 Credit Bureaus will correct the dates and remove this information as they should according to the FCRA and Federal Law. 

The date of first delinquency on this account was XX/XX/XXXX. This means that according to the FCRA and Federal Law this account should have been removed. I am not sure what sort of games American Express is playing but every time I call to speak with a rep, no one will work with me. I have contacted and disputed this information with all 3 credit reporting agencies and they continue to report the innacurate information. According to American Express, XXXX, XXXX  and XXXX  now the date of first delinquency is XX/XX/XXXX. This means that this will now be on my reports for another year or more. 

I have tried every other means to correct this issue with all parties involved and no one will listen or cares enough to actually investigate as they should to see that this information has continued to change year after year. 

It is extremely frustrating that these company 's are allowed to do this to the average consumer like myself and hurt our chances of improving our positions in life. I am not excusing the fact that I allowed this account to go delinquent and then be charged off but this was over 7 and half years ago and I am doing everything in my power to do the right things. 

You can't keep changing the finish line because you want to harm consumers, it isn't right nor legal.
Product: Student loan

My private loans were issued through XXXX/Navient. Six months after I graduated I called them to see what payment plans I would be able to sign up for. They said that there are n't any for private loans and that I would have to do a forbearance but that it would increase the monthly cost after the three months. When I asked how much it would increase it by they could n't give me an answer. But since I could n't pay the $ XXXX+ a month i did n't have a choice. I am now paying {$800.00} a month. In addition to that, during my time at college they had my mother pay {$25.00} a month to keep the interest down at 8 % instead of 8 1/4 %.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several items that are inaccurate. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report and to promptly delete or correct any inaccurate, incomplete, or unverifiable information. 

The items I am disputing are as follows : XXXX XXXX XXXX XXXX : {$2300.00} Account # XXXX Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX Balance : {$1900.00} Account # XXXX Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX Balance : {$660.00} Account # XXXX Date Opened : XX/XX/XXXX Account Status : Closed XXXX Account # XXXX Balance : {$280.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX Account # XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Account Status : XXXX XXXX XXXX Account # XXXX Balance : {$790.00} Date Opened : XX/XX/XXXX Account Status : XXXX XXXX XXXX Account # XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXX Account # XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXXXXXX Account # XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX Account Status : Closed XXXX Account # XXXX Balance : {$280.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX XXXX Account # XXXX Balance : {$1800.00} Date Opened XXXX XX/XX/XXXX Account Status : Closed XXXX  XXXX Account # XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX Account # XXXX Balance : {$790.00} Date Opened : XX/XX/XXXX Account Status : Closed EQUIFAX** XXXX XXXX XXXX : {$2300.00} Account # XXXX Date Opened : XX/XX/XXXX Account XXXX : Closed XXXX  Account # XXXX Balance : {$280.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX Account # XXXX Balance : {$790.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX Account # XXXX  Balance : {$2300.00} Date Opened : XX/XX/XXXX Account Status : Open
Product: Debt collection

Company claims to be a debt collection agency collecting for XXXX XXXX XXXX XXXX in Georgia. 

Company claims I had a hospital stay at some point in the past. 

Company provided no signed documents or proof that the medical debt belongs to me. 

I haven't been to this hospital. 

I haven't been to a hospital in Georgia. 

Company provided only letterhead with medical information attached. 

Company has not followed through with any proof that I owe this false debt beyond what very well could be someone having used my information through identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed several accounts that I have never done business with on my credit report. They list as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I believe these accounts have been obtained fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX  XXXX of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of XXXX I was a victim of Grand Larceny/Identity Theft/Auto Fraud . The accounts open with XXXX XXXX XXXX XXXX and TD Auto Finance LLC was not open by me and is fraudulent also enclosed is a copy of a letter from XXXX XXXX XXXX Attorney XXXX XXXX verifying that these accounts are fraud and was not open by me case Number XXXX I demand these accounts be removed from my credit file within 7 business days as required by law.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am complaining because Medical Data Systems Inc is reporting derogatory information to my credit file. I have already disputed this information and it was removed from one of the bureaus. It still remains on my XXXX and XXXX credit file. The account doesn't belong to me, and I want the information deleted from both credit files immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter dated XX/XX/2021 for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Four times this year, someone has been able to access my credit card account and change my address to get another credit card and 1 time in XXXX that tried to use it to get {$250.00} if the card. Even though I have a freeze on my account, and they are suppose to send a code to my phone to make any changes. 3 times it was for an address in XXXX and 1 time it was for an address in XXXX, XXXX, which I haven't lived in XXXX, XXXX in almost 9 years. I just found out on XX/XX/2018, that someone tried to get another card from my account, even thought I have a fraud alert and I froze my account. Everytime this happens it lowers my credit score. I have a XXXX credit score and I'm trying to buy a house. I don't want to close this account as it will lower my score even more. I have 7 credit cards and this is the only one that keeps getting hacked. I'm thinking now that it is an inside job. No matter how my alerts or freezes I put on this account, even changing the name to my married name, someone is still able to access this account. They have sent me 4 new cards and it hasn't done any good. I WANT THIS TO STOP. I'm going to pay this account off and never use this account again. I shouldn't have to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries on my credit report is fraudulent I did not give my written permission to said persons to view or share my credit report see attachment
Product: Credit card

XX/XX/XXXX Disover card ( account ending in XXXX ) put me in default without calling me or texting me that my account was past due. I have never had a late payment with any of my credit cards. This was an honest mistake, and I thought I paid in full in XX/XX/XXXX. I'm not sure if it was a technical error. I reached out to their consumer agency and no one would help me. I never received verbal communication from Discover that I was in default. When I called in XX/XX/XXXX The Discover agency informed me that because I didn't have push notifications turned on I wouldn't have seen a text. There was no prompt when opening the account to turn on push notifications. But, I received emails and I never received an email that my account was going in default. I was informed I was not charged a late fee in XXXX XXXX via chat on Discover. I was sent into default and only received notice by mail in XX/XX/XXXX. No one from Discover called me to inform me that my account will become default I paid my balance in full in XX/XX/XXXX, and then realized there must of been a technical error. Once I realized what happened, I immediately paid in full in XX/XX/XXXX the amount of XXXX. I understand the importance of on time payments, and I have been faithful to doing that since XXXX. My credit was drastically affected from having a FICO of XXXX to decreasing to XXXX. 


This was a technical mistake, that I am requesting to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( American Express ) Making the report is NOT INCLUEDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ American Express ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from my consumer report ( all 3 bureaus ) immediately. 
Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Debt collection

I have been calling Mary Jane Elliott office to get information and proof of the debt Im being told I owe but Im getting voting. I have called them for over 5 years. Every year I get my taxes garnished and Im told there is nothing I can do about it unless I pay off the debit but I was told from the company the debit is from years ago that they debt wasnt owed. Im not getting sent any proof of date or payment history when asked and was finally told I can dispute it. I asked for some confirmation and they told me I couldnt get it and wouldnt receive a follow up call. All they will do is let the lawyer know I want to dispute it and thats all that will happen.
Product: Credit card or prepaid card

XX/XX/2019 - I Purchased a kayak from a XXXX ad called XXXX for {$130.00} - A payment posted to for {$130.00} USD XX/XX/2019 - Received notification my package arrived ; ran to the post office to pick it up. Received a small envelope containing a SUCTION CUP. 
- Contacted paypal and opened claim # XXXX because " Item not as described '' - Uploaded photos of the advertisement & item delivered for evidence. 
- Heard nothing from Paypal. 

XX/XX/XXXX - Logged in to see they resolved the case in favor of the scammer. 
- Called to talk with them and asked they review the evidence submitted. 
- Woman apologized profusely and realized the error ; said I didn't have to worry and it would be resolved in my favor. Assured me I did NOT need to return the item, as it was clearly a scam. 
- Waited for refund. 

XX/XX/XXXX - Paypal log claims they " emailed me '' but no emails are on record in my inbox. 


At some point a week after the XX/XX/XXXX call, I started 2 support chats with Paypal to figure out where the refund was. The first chat was cancelled prematurely when I walked into the other room while on hold. 

The second chat, I was informed that they reversed the decision and settled in the scammer 's favor. I tried to explain I had already spoken with someone who assured me I was all set, and he explained I needed to return their kayak. He kept telling me they would only support my claim if the item was " significantly different than as described '' in the advertisement. I felt like I was talking to the scammers themselves! How was a kayak the same as a suction cup?! 

XX/XX/XXXX - I called again, possibly speaking to the same woman, and she told me that I had to return the suction cup. I explained that I wanted to put in a complaint about the woman who had lied to me before & that I should not have to pay more money to return a suction cup -- plus then I would NOT have any evidence of their scam. I asked them how I knew they would reimburse me if the item was returned & specifically stated that I wanted it in writing. They refused to put it in writing. The woman also explained to me that they needed to get the seller 's address " translated from XXXX '' before I could return it and that I would receive an email from Paypal within 24-48 hours. It is now XX/XX/XXXX and I have no email with the translated address. Time is ticking down until the case will be resolved in the scammer 's favor, and I am utterly disgusted and discouraged. 

I am the victim of a SCAM and Paypal is treating ME like the criminal. 
I will never do business with them again.
Product: Credit card

On several times now, I have had interest automatically added on the new balance for new purchases. I generally pay off the full amount ; ; I only use the card because it is a cash back card. Chase is supposedly giving a 30 day grace period to pay off balances before applying interest. I have had 3 times now that as soon as the statement comes out and I have paid more than the previous balance this month, there is interest added on to my new balance. I always check, but perhaps some people do not, so I thought I would call your attention to their sneaky practices. Once is a mistake ~ 3 times now is intentionally trying to take money from consumers. Also, the interest is a ridiculous 20 % they added on. Who would carry a balance at that rate?
Product: Debt collection

I contacted XXXX in XXXX of XXXX to cancel my services and end my account with them. Im XXXX XXXX military and also provided them with copies of my XXXX Orders in order to effectively terminate my contract early. Up until XXXX of XXXX I received emails about my outstanding balance. All while Im XXXX multiple times and attempting to resolve this. On XX/XX/XXXX, I contacted XXXX and communicated with them about the charges. The representative stated that I paid off the balance that was due in XXXX of XXXX and had a {$0.00} balance following. This is the same month I disconnected my service. In XXXX of XXXX, I receive an email from XXXX stating that my service has been disconnected. In XXXX of XXXX I received an email stating that I had a overdue balance of {$270.00} after services have already been disconnected. In XXXX of XXXX I received an email stating that my account has been disconnected, effective date XX/XX/XXXX, with a balance of {$250.00}, as well as another email on the same date saying my bill is overdue of {$270.00}. XX/XX/XXXX I received another email stating that my overdue bill is now {$740.00}, to include an {$300.00} ETF ( early termination fee ). XXXX of XXXX, a collection account is the reported to my Credit Report.