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

On XX/XX/2023, I notified LexisNexis that I am a victim of identity theft. I included the required supporting documentation with my notice. In a letter dated XX/XX/2023, LexisNexis advised me of my rights as a victim of identity theft. LexisNexis letter states : you have the right to opt-out of our XXXX XXXX XXXX databases, Prescreened Offers of Credit and Insurance , as well as have your information suppressed from our XXXX, XXXX, and XXXX XXXX Additionally, LexisNexis Consumer and Data Access Policy, found at https : //risk.lexisnexis.com/consumer-and-data-access-policies regarding U.S. Consumer Opt-Out states : private individuals who are victims of identity theft may request to have personal information about themselves suppressed from LexisNexis products and services available to subscribers of our restricted public records products. On XX/XX/2023, I notified LexisNexis that I was exercising my right to remove/suppress ALL information related to me and/or any of my identifiers from ALL LexisNexis products, including my LexisNexis XXXX Reports. As of the date of this complaint, LexisNexis is violating my right to remove/suppress ALL information related to me and/or any of my identifiers from ALL LexisNexis products, including my LexisNexis XXXX Reports  by continuing to report information ( including incorrect, incomplete, and inaccurate information ) related to me and/or my identifiers in LexisNexis products. LexisNexis is violating their own policy by refusing to remove and/or suppress ALL information related to me and/or any of my identifiers from ALL LexisNexis products. This shall serve as an additional formal written notice to LexisNexis that, effective immediately, I am exercising my rights as a victim of identity theft to remove and/or suppress ALL information related to me and/or any of my identifiers from ALL LexisNexis products, including my LexisNexis XXXX Reports.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate reporting of a late payment by this creditor to TransUnion. Despite making the payment on time, it has been incorrectly marked as late on my credit report. This false information has unfairly damaged my credit score, and the continued presence of this error is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer credit report I noticed several unauthorized inquiries and public records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$480.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, my Capital One account was charged off due to having some personal issues. While the account status on my Experian shows " charge-off '', and " closed '', it is still reflecting a balance and continues to show my payment history as current and " CO ''. The balance should be at a {$0.00}, and they should have stopped reporting " CO '' on my credit report as of XX/XX/2018 when they charged it off. The account has already been given to an outside collection agency, and I have disputed this more than once for Capital One to correct my credit report.
Product: Student loan

I attended XXXX XXXX College 2018 The College has closed due to not meeting accreditation. My credit report reflects a balance from FedLoan Services Although, The College is Closed. I want this balance removed from my credit report as I cant transfer these invalid College credits. PLEASE HELP
Product: Payday loan, title loan, or personal loan

I revoked my ach payments authorization and told them not to take any further payments from my account. This was in XX/XX/XXXX. They continue to take payments from my account. The payments I catch I have called my bank and disputed. They last few times they r drawing checks from my account. My bank told me they couldn't do a dispute on them. I just had another drawn yesterday ( XX/XX/XXXX ). I have rries ro keep a small balance in my bank account so sometimes they are returned, but other times they r note. U have asked them several times to not take further payments, but they continue.
Product: Debt collection

I have sent letter notifications in the mail to each credit bureau telling them the debt they are trying to collect doesn't belong to me. It has been over 30 days and I haven't received any update or respond to my letters. The tracking number for my letters is : XXXX. Physical images of the receipts will also be attached to this complaint. Thank you so much!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fullfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasobale reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to foward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiance where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Multiple accounts have been opened in my name and are negatively impacting my credit. Below I have listed the fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me to remove these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that i havea late payment on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/22 ]. Please investigate and provide proof with statements showing that this payment was late. If proof can't be provided I demand this payment be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have talked to multiple Equifax Representatives, also sent letters in XXXX, XXXX, and XXXX to dispute the unauthorized inquiries on my credit report and then I was told that they were factual. I then asked for proof and verification steps they took to verify and no proof was ever sent to me. I also contacted the inquiry companies and they said they were unable to find the inquiries with the information I provided. This is super frustrating and damaging to my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX we purchased a couch and 2 chairs from XXXX XXXX using financing through Affirm ; the amount of the furniture totaled {$5100.00} ; we started making payments toward this debt starting on XX/XX/XXXX with the understanding that the furnishings would be delivered in XX/XX/XXXX. 

In XXXX we received a notification that the furniture would not be delivered until XX/XX/XXXX ; given that this delivery window remains well-outside the delivery window our order was premised on we canceled the order ; the vendor, XXXX XXXX, sent us a notice of cancellation with a promise of a full refund early this month ( XX/XX/XXXX ). 

Affirm has refused to work with us regarding processing the aforementioned refund and releasing us from our obligation to make payments on the furniture we are never going to receive ; they have insisted we keep making payments ; they also claim ignorance when we provide PROOF of the cancellation and refund notice by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reported by TD AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX Is not accurate I have never had an account with them. They reported to XXXX a delinquent account on my credit and verified it as accurate when I disputed it through XXXX no documentation was provided to me as proof and I can not reach anyone when I try calling them Phone # ( XXXX ) I need help getting this misinformation off of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a letter in the mail stating that my credit file on XX/XX/XXXX of XXXX. That my personal identification information my name, current and previous address and any other identifying information was reported by the creditors. A fraud alert and legislative security freeze was put in place. I have sent out information to confirm my identity. I also however called 4 week ago to make sure my identity was correct with all credit bureaus and IRS, because of a data breach and fraud alert 4 weeks ago.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2017 to XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the fraudulent information being reported on my credit report, I am making this CFPB complaint to the credit bureaux today. On XX/XX/XXXX, I sent a letter to the credit bureaux asking them to delete the accounts, personal information, and inquiries that are wholly UNKNOWN to me. I found this law today, and it states that the Credit Bureaus must delete all accounts and information after XX/XX/XXXX, not later than 4 business days, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). This has already been mentioned in my earlier complaints ( # XXXX, # XXXX, and # XXXX ), and I'm including it again. I am requesting that the credit bureaux totally erase the following entries from my credit report in accordance with the provisions of FCRA section 605b : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX  XXXX Balance Owed : {$230.00} XXXX  XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX  XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$15000.00} XXXX  XXXX XXXX XXXX Balance Owed XXXX {$6700.00} XXXX  XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXX  XXXX Balance Owed : {$720.00} XXXX  XXXX XXXX XXXX Balance Owed : {$310.00} XXXX  XXXX XXXX XXXX Balance Owed : {$270.00} XXXX  XXXX XXXX XXXX Balance Owed : {$310.00} XXXX  XXXX XXXX XXXX Balance Owed : {$260.00} XXXX  XXXX XXXX XXXX Balance Owed : {$350.00} XXXX  XXXX XXXX XXXX Balance Owed XXXX {$350.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX CAP XXXX NA XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I am a new Bank of America Customer. I am starting to regret this decision. On XX/XX/XXXX. I made a payment of 200 over the phone with a representative. That same day, another payment of 1000 was taken out of my checking account by Bank of America. When I realized they did this, I called them immediately to request a refund. The agent then informed me my refund request was processed and I should received my funds within 3 to 5 business days. On XX/XX/XXXX I called Bank of America again to confirm that my funds indeed were processed. they claimed it was processed but instead of receiving it in 3 days, it will take a week. On XX/XX/XXXX, I called Bank of America to ask why I haven't received my funds. I escalated the issue to a supervisor who informed me that my funds were processed however it will take 2 billing cycles for me to receive my money. At that point, I was very furious. Everyone I talked to, told me something different. On XX/XX/XXXX I called Bank of America again to express my frustration A supervisor informed me I will be receiving the refund soon. They held my 1000 dollars and refused to refund it to me. On XX/XX/XXXX, I called Bank of America once again to inquire about my refund, just for a representative to tell me they refunded me XXXX dollar instead of the 1000. The fact that they even took my money without my authorization and lied telling me they refund it and they didn't. They claimed they refunded XXXX dollar in my account. I checked my account and there is no refund from them. This is the worse bank ever and I'm still new. All their customers service rep lie and some of them have no idea what they're telling their customer.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my SANTANDER XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

I was made aware of toll fees sent to collections, placing a hole on my ability to register my vehicle. However, I was given no written or verbal notice of these fees being sent to collections, as well none of these collections are showing up on my credit report. 

These fees have totaled up to {$710.00} according to my XXXX XXXX XXXX account.
Product: Checking or savings account

An offer was sent to receive a {$200.00} bonus for opening a checking account. The terms stated to open the account by XX/XX/2018 and make a direct deposit of {$500.00} or more within the first 90 days to receive the bonus. 

An attempt was made to open the account online on XX/XX/18, but there was an error and said to finish by calling or going to a branch. On XX/XX/18, we went into the XXXX, MD branch to complete the application process using the promotion sent in the mail. 

Following the terms and conditions, a direct deposit was made on XX/XX/18 for more than the required amount in the promotion. After a few months, M & T was contacted via online secure messaging on XX/XX/18 to confirm if the bonus would post. An agent replied on XX/XX/18 that the bonus should post by XX/XX/18 if the account is in good standing and the requirements have been met. No bonus posted by XX/XX/18, so another secure message was sent on XX/XX/18 to inquire. M & T replied on XX/XX/18 stating that the offer was not for the primary account holder but the joint account holder. As a result, they said the bonus would not post. 

Based on this, they never set up the account correctly in the branch by not making the primary account holder the name on the offer. After speaking with the branch on XX/XX/18, they continued to insist that they would not give the bonus.
Product: Student loan

I have been making payments regularly on all my college loans without missing a payment except during Grace Periods. Last XXXX, in XXXX 2015, I was given a Grace Period for my other loans because I was facing financial difficulties. I was advised to continue to make small payments. I continued to make payments as advised. My problems with XXXX XXXX XXXX XXXX XXXX started when I sent my XXXX payment prior to receiving their bill. I noticed a late fee charge on my next bill and contacted them immediately. I explained what happened and requested they remove the late charge. The last time I called, their representative XXXX XXXX in XXXX, he insulted and hung up on me when I requested to speak to a Supervisor. I continued to make payments monthly as they continued to increase the late payment charge. There is a discrepancy between my account and the payments I have made. I got a " Second Notice Past Due Payment '' letter today. I never got any previous letter from them notifying me of any past due payment. Your Agency is my last resort to resolve this. I would like a record of all the payments I have made to them. It is my considered opinion that they are overcharging me. Thank you for your help.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the consumer reporting agency TransUnion, block information appearing on my consumer credit report that is a result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, XXXX XX/XX/XXXX XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections that appear on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report you maintain, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries that appear on my consumer credit report you maintain were not opened, made, or initiated by me. All of the above accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint No. ( XXXX ) as proof from the U.S. Federal Trade Commission that all of the above consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have also attached evidence of my identity theft.
Product: Credit card or prepaid card

This account was paid and closed. According to FCRA laws this account meets the requirement to be removed from all 3 credit bureaus immediately due to age and fraudulent activity
Product: Checking or savings account

my issue has not been resolved since  XXXX   XXXX  .I bank with chase bank. I had  XXXX  transactions of  XXXX  dollars to   XXXX   purchased illegally on my debit card numbers. my card info was stolen. I immediately called the bank canceled the card and started the process to get my funds re-credited to my account. A temporary credit was received a week later. then  4  weeks after that the credit was removed. I called them again had another temporary credit put onto my account in  XXXX  for the same issue. Yet again by  XXXX   XXXX  the bank again removed the the temporary credit. I called and escalated the issues to their fraud claims department to a supervisor and then the supervisors manager on  XXXX   XXXX . They said  XXXX  admitted to there department I did not make any purchase and credited chase and that I should receive my money in 5 days.  XXXX   XXXX  I got formal letter in response admitting guilt and fault on chase banks end and that my temporary credit would be made permanent. however as I said before this temporary credit was removed and I have still not received funds by the set specified time frame from the supervisor. This is the third time I have submitted it for review and have won my argument, but yet still have not received my money from the bank. Please help me in away possible thank you.