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

Dear LexisNexis & XXXX XXXX XXXX I verified and authenticated myself months ago and I have to documents that was mailed to me to provide proof of that. I verified myself and my phone number over the phone and online. It wasn't until I requested another consumer report and I accidentally entered my wrong DRIVER LICENSE NUMBER. This has effected my case with CFPB and XXXX XXXX XXXX because I don't no longer hold access to the phone # ( XXXX ) XXXX. My phone # has been XXXX for years now. I even verified myself before and I have full evidence of Consumer Report showing my number. I believe LexisNexis made a error and contacted CFPB claiming to reach me when i was the one to make BOUND calls to LexisNexis. This is unfair and causing me to pay monthly for a auto loan that my private seller ( XXXX XXXX ) can not cash because XXXX & LEXISNEXIS are not doing there correct part at ALL First the problem was being unable to verify my number, now because of this incident XXXX XXXX left note saying Not to call my number according to XXXX fraud department Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and non verbal per 15-USC-6802. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 A section 2 states that ''In general subject to subsection ( C ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. '' ( XXXX ) the financial institution and the consumer reporting agencies Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion and XXXX ( XXXX ) whether it is verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( B ) ( C ) states that ''A financial institution may not disclose non-public personal information to a non-affiliated third party unless-the consumer is given explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( A ) ( 5 ) states ''Except as authorized under subsection ( B ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. '' This account is an adverse item they are reporting again without my permission, which is against the Law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states ''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. 15 U.S. Code 1681 ( E ) states ''Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( C ) of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681 ( B ) of this title. '' Transunion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that a consumer may exercise the right to opt out at any time. '' I am now opting out of your reporting services ' Transunion and XXXX are consumer-reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared according to the fair credit reporting act 15 USC 1681 section 602 A ) states " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer 's right to privacy. Also 15 USC 6801 which states ''It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers ' non-public ''
Product: Debt collection

Account was last reported XX/XX/2015 from XXXX XXXX for the amount of {$270.00}. I never received notice to dispute debt. I have lived at the same address for the last 4 years and havent received any notification, I should not be held accountable for debt that I was uninformed on or given a fair opportunity. I have attempted to dispute on my own through the bureaus but have not been given a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for they XXXX  XXXX  and was approved, after receiving my credit card from XXXX XXXX  my laptop was stolen and a ex girl of mine added herself to my account as a authervised user and received a card in her name under my credit ( XXXX XXXX XXXX ) I received the bill in the mail and the credit card statement and the card was maxed out! I contacted XXXX XXXX fraud department and they closed the card down and reissued another one, but then they sent XXXX XXXX XXXX another in her name as well and was in contact with her and sending her mail under my name and asking her question about me and her. This is crazy!! XXXX XXXX XXXX stolen my information and made fraud charges and they talk to her and not me. She stole my computer and added herself to my account without my permission and received a card and maxes it out and they talk to her instead of me.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain fraudulent accounts that are currently present on my credit report. I have identified these accounts as fraudulent, and I kindly request that you investigate the matter and take appropriate action to remove them from my credit history. 
Account Information : XXXX XXXX Furthermore, I would appreciate your prompt response to this matter, acknowledging the receipt of this letter and providing an estimated timeframe for the completion of your investigation.
Product: Credit card or prepaid card

I had a Pay Pall Master Card from Synchronicity. My troubles all started when I went to make a XXXX payment on the card. After years of them taking it from my checking account, they decided to take this payment from my savings account, and account that I never linked to PayPal or to synchronicity. Of course it was XXXX, i contacted them immediately and told them what they did. By this time, my wife had tried to move the funds into savings to cover, but it was too late. So while on phone with rep, I made the payment again on XX/XX/2022. The funds were taken from my savings account for 14 days, than the funds were returned. 

I called support, they could not give me a valid reason why it was returned, so yet again for the 3rd time, I made the payment for XXXX and than for XXXX. They took the payment, and a few days later my wife told me it looks like they are returning the money again. So I went online to check my account, and this is when I learned they closed my account. 

Now mind you, they had just raised my credit limit, and now they closed it because of issues they caused in processing my payment. As if today, the account has a XXXX balance so I ask why close the account when they see I was paying? 

Now this company provides ZERO ways to right a wrong and do all they can t prevent you from talking to someone who can help. They not only took the account away, but they did it such a way that it impacted my credit score.

So now they have the money, and they have destroyed my credit and ZERO harm comes to them for what they did. how is this fair and equitable?
Product: Mortgage

Hello- I am the successor in interest for a mortgage with Freedom Mortgage. We had to file a claim with the insurance company and the insurance company included Freedom Mortgage as additional payee on the check. The roof on our detached garage is severely compromised due to a wind storm. Freedom Mortgage contracts XXXX XXXX in XXXX, MI to handle their loss/claims drafts payments. It has been extremely difficult working with XXXX XXXX to get the funds to start these repairs. I have been assigned a " processor '' with XXXX XXXX who is supposed review the insurance estimate and monitor/proctor the amount being released. The total amount of the loss is approximately {$10000.00}. I have emailed the processor several times via email and also via their portal and I have received no response. I spoke to a supervisor last week at XXXX XXXX and she advised she would get with the processor and ensure they reach out and that hasn't happened. She also advised to send in a materials list to show what the costs of the materials would be so they could at least get that amount sent out to me. The materials are over $ XXXX. I checked the portal today and it shows they are only sending {$860.00} to start. This is absolutely ridiculous. What repair contractor is going to start the repairs for a $ XXXX job with less than {$1000.00}. I explained this in advanced to this company and the supervisor assured me they would review materials list and at least send that out to start and then once the work is done, they would have a 3rd party company come out to inspect and then release the final payment. None of this has happened. They are refusing to release enough to get garage back to a pre-loss condition. Freedom Mortgage and XXXX XXXX is refusing to offer any true solutions!
Product: Credit reporting or other personal consumer reports

I'm writing to express my concern regarding some inconsistencies in my credit report that I've found. I am attaching copies of all letters sent below. 

Although I was not expecting these errors, I am confident that your system will be able to fix them. I recognize that maintaining reporting accuracy is a crucial component of your organization 's mission, and I trust you to address these inconsistencies and make the necessary corrections. 

Such errors in my credit report are concerning, and I think other clients might experience the same emotions if they encounter a similar circumstance. To increase transparency and regain the public 's trust, I believe it is our collective responsibility to swiftly rectify such errors. To hasten the resolution, I am prepared to offer any further details you may need.

The Fair Credit Reporting Act ( FCRA ), particularly sections 611 and 608, I believe offers consumer protection in such circumstances, so I will make sure to mention that. In accordance with Section 611, you have 30 days to conduct an investigation after we dispute any inaccurate or incomplete information. A credit reporting agency is required by Section 608 to offer consumers a free copy of their file once a year upon request.

The foundation of our financial system is made up of credit reports, and any errors can have serious repercussions. Therefore, it is crucial to fix these mistakes right away. By taking prompt action, I believe we can not only solve this problem but also stop similar occurrences in the future, protecting the integrity of the system.

Despite the difficulties, I am still certain of your dedication to truthful reporting, which I believe will help to speed up a resolution and restore my faith in your company.

I appreciate your compassion and your prompt attention to this issue.
Product: Payday loan, title loan, or personal loan

I applied for a payday loan and the loan was denied. I am not sure what kind of loan it was because I never received any documentation explaining what I was applying for. The person told me that they needed to keep a copy of my voided check even though the loan was denied. I am really concerned that they would keep my account and routing information. I was told that this was due to a federal regulation. Is this true? Ive had friends who have had their identities stolen this way as well as have had people take money from their bank accounts. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently filed an FTC Report for the following : I am writing to request the removal of unauthorized, unapproved, fraudulent credit inquiries from my Equifax credit report. My latest credit report shows the following five ( 5 ) credit inquiries that I did not authorize ; when I requested proof from the creditors, they were unable to provide me any proof otherwise ; therefore, it is the credit bureaus responsibility to remove them. 

XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up on my complaint regarding the reporting of charged-off medical debt on my credit report. 

I have provided proof that the debt has been settled to a zero-balance and that I am a veteran. These factors suggest that LexisNexis may be required to remove the charged-off medical debt from my credit report. 

I understand that you have attempted to reach me via email to obtain additional identifiers, but that you have not received a response back. I have attached a copy of my government-issued ID and a bill dated within the last 60 days as proof of my current address.

I am writing to you today to request that you take immediate action to remove the charged-off medical debt from my credit report. I am concerned that the continued reporting of this debt is having a negative impact on my credit score. I have attached a copy of my complaint to the CFPB. I am hopeful that you will take this matter seriously and resolve it promptly. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

Dear CFPB, I am writing to follow up on my previous complaint filed with the Consumer Financial Protection Bureau regarding the closure of my Discover credit card accounts. I appreciate the response from Discover 's Executive Office of Customer Advocacy ; however, I remain dissatisfied with the explanation provided. 

While I understand the explanation regarding the verification process and the terms outlined in the Cardmember Agreement, I still have concerns about the closure of my accounts, especially considering my longstanding history as a loyal customer with Discover for over 12 years.

I would like to request further clarification and transparency regarding the specific reasons for the closure of my accounts. Despite my efforts to provide the requested information for verification purposes, including submitting the consent form on XX/XX/2024, it appears there may have been a breakdown in communication or misunderstanding.

Furthermore, I would like to express my disappointment in the handling of the situation, particularly the difficulty I encountered in verifying my personal information after changing my phone number. While I acknowledge the attempt to contact me by phone, I believe more effort could have been made to ensure successful communication, especially considering the significance of the matter at hand.

I respectfully request that Discover provide additional information or evidence supporting their decision to close my accounts. Specifically, I would like clarification on any specific policies or criteria that led to this decision, as well as any records or documentation related to the review process conducted on XX/XX/2024. 

Additionally, I would like to address the reporting of the account status to credit reporting agencies as 'disputed. ' While I understand this may be standard procedure, I request that Discover cease reporting the account as disputed until this matter is fully resolved.

I hope that by addressing these concerns, we can reach a satisfactory resolution and ensure transparency in this matter. I look forward to your prompt response and appreciate your attention to this issue.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting

This was an unauthorized credit pull. I did not want their Credit card. 
XXXX XXXX in XXXX, MN pulled my credit report and caused a hard pull. I did not authorize them for a credit card pull. I was trying to get signed up for just a XXXX XXXX Rewards card. Please remove this inquiry from my Credit report.
Product: Credit reporting or other personal consumer reports

First Premier XXXX, Capital XXXX XXXX, XXXX XXXX XXXX, Capital XXXX XXXX, Capital XXXX XXXX, Capital XXXX XXXX, Capital XXXX XXXX, Capital XXXX XXXX, Capital XXXX XXXX, XXXX XXXX, XXXX XXXX, Credit Acceptance XXXX, Credit Acceptance XXXX, Flagship Credit XXXX, Flagship Credit XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Bank XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Smart XXXX XX/XX/XXXX
Product: Debt collection

Rent recovery services on behalf of XXXX XXXX XXXX Texas. I was ill and had to return to XXXX to hospital in XXXX XXXX - still attending XXXX XXXX! There was about 6 weeks left on my lease which ended XXXX XXXX. I was given no option for return of full XXXX bed flat of furniture incl XXXX inch TV, art work etc. I owe approx XXXX in rent although XXXX advised me that they had changed locks on door, and no access to get belongings, when I let them know I was in hospital in XXXX ie before end of lease. 

This debt has been reported by rent recovery services, a collections agency on behalf of XXXX for the amount of {$4200.00} to the credit agencies, more than 100 % interest in 8 months!!!!!!! They are ensuring that this bill will rise exorbitantly month by month so can not be repaid. 

Also the value of my goods were more than {$2000.00} ( the bill ) and I was never given any option to recoup them.
Product: Credit reporting or other personal consumer reports

There are several errors on my XXXX, Experian and XXXX credit reports. They are as follows : Accounts are XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX. The erroneous inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>.
Product: Debt collection

I have repeately tried contacting these people to get a current statement so that I can have this account resolved and they never mail me any statements as I have requested.
Product: Credit reporting

I have made several request to Equifax to remove a fraudulent account that I do not owe them. I sent a identity theft affidavit as well as a picture of the persoon who di on and who was arrested for the crime. He has the same name as me and they st ill left the account on my report.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX. Did not provide an accuracy proof of debt that I owe for a bad credit rating and reporting derogatory. When I ask for proof they said they have 100 % accuracy system that gives them the burden of proof. This was said to me over the phone. By all 3 bureaus, Please keep in mind they started my dispute & ended it within 3 days. I was told the system determines an accuracy decision. I am waiting on the accuracy proof of debt owed from all of the Corporation that say that I owe a debt when all debts are paid. It's been a year & all 3 bureaus have failed to show proof of debt I owe with my signature. They don't have any proof because there were no debt to began with : If the 3 Bureaus can't or refuse to show accuracy with written proof of the investigation of a decision that was made by the them for the Corporations : Then all negative reporting on my, we, us credit report needs to be removed. IMMEDIATELY! 

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX