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

I called Lexis Nexis today XX/XX/19 about a n inacurate bankruptcy that was deleted by XXXX. The information that led XXXX to delete my bankruptcy was through an investigation done by Lexis Nexis. These investigation results were sent to me XX/XX/2019, very current. It is stated on the investigation results given to me and when I contacted XXXX today they told me over the phone as well. I say all of this to say that I was contacting Lexis Nexis to ask why they are still reporting to XXXX and XXXX and housing inaccurate info such as this bankruptcy that they verified to XXXX  was not true. They stood their ground and claimed that the information was verified by the courthouse. I called the courthouse as well and was told that they do not do this, so this leads me to ask them where they got their information, and of course they maintained it was from the courthouse. Lexis Nexis has so many complaints about this issue and I would like to see something done about it. It makes absolutley no sense that they can report to XXXX that their investigation could not verify a bankruptcy but in the same breath report to XXXX and XXXX that it is verified. Lexis Nexis needs to go ahead and remove this information from their system and notify the other two bureaus that this information has been investigated and verified as not accurate.
Product: Debt collection

Reporting inaccurate information Saying I never made any payments and also I sent a letter of validation to validate the debt never received the information that I asked JPMCB for the information that came back to me was incorrect. Try to communicate with them on several occasions to let them know that the information was incorrect, JPMCB charged it off and written off
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally challenge the errors in my credit report and request compensation from Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further substantiated by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which exposes Experian 's failure to thoroughly investigate consumer disputes and its improper reinsertion of incorrect information into consumer reports. 

The following discrepancies in my credit report demand prompt correction or removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

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

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX. XXXX  Block Request To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Checking or savings account

There was well over 220 transactions on my account from XXXX XXXX til XXXX XXXX. Its so many transactions I can't even write them all but it totaled to XXXX . I filed a police report and a claim they denied my claim. Even after I submitted proof that I was XXXX and informed the company I never gave anyone permission to use my account while I was XXXX. I filed the police report like they told me to do and they still denied my claim.
Product: Money transfer, virtual currency, or money service

They sent me an email after the transaction that I cant seem to find. Venmo said they have to hold the funds for XXXX for loss prevention reasons but all I did was send XXXX to a friend! My father sent me XXXX that day ( opened the Venmo account same day! ) I sent XXXX to my bank account and kept XXXX in my Venmo wallet ( which I cant do anything with either ) then I sent the remaining XXXX to my friend who really needed it.. They said it was suspicious activity and froze both our accounts leaving him without XXXX dollars to use! What a great company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE Balance of {$1.00}, XXXX. 

Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( Account in Collection/Charge off please delete ) Date open : XXXX is reporting XX/XX/XXXX. Experian  show XX/XX/XXXX, and XXXX show XX/XX/XXXX XXXX XXXX XXXX XXXX is reporting {$1100.00} and Experian show XXXX, and XXXX show {$1100.00} Lasted Reported : XXXX is reporting XX/XX/XXXX. Experian show XX/XX/XXXX and XXXX show XX/XX/XXXX Date of Last Active : XXXX show XX/XX/XXXX, Experian show XX/XX/XXXX and XXXX show XX/XX/XXXX Past dues balance, Date openXXXX XXXX XXXX  Lasted Reported, and Date of Last Active all show inaccurate on this account accordance to XXXX XXXX Guidelines it MUST be delete. 

This is a violation of the FCRA and is also in violation requisite XXXX 2Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the righto a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory item be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Product: Student loan

I applied to have my XXXX plan payment recalculated in XXXX because my income dropped to {$28000.00}. Mohela said my payment didn't change ( eventhough my income dropped from {$46000.00} to {$28000.00} ). I called Mohela, the representative resent the application and told me I should have a payment of {$0.00}. I paid the {$58.00} payment in XXXX after that phone conversion. 

I then received a letter that my estimated payment was {$0.00}. Next I received a letter that the SAVE plan was recalculated and my payment was {$58.00} ( same as when my income was {$46000.00} ). I've talked to them 5 times, been told my payment should be {$0.00}, received a letter my estimated payment is {$0.00} ( and that is what the online calculator states ) yet they are still charing me {$58.00} a month. The XXXX phone call on XXXX XXXX the representative told me my payment should be {$0.00} and she had no idea why they wouldn't adjust it, she said an advanced advisor could manually fix it and transfered me. Unfortunately, the wait was an additional 2.5hrs and I was at work when they called back. I called again on XX/XX/XXXX and told that representative all the details and that I had been transfered to an advance representative the day before but couldn't answer the call back. That representative refused to transfer me and said all she could do was fill out the SAVE application for a third time and see what happened. 

Mohela keeps putting me on a forbearance and telling me not to worry because my payment isn't due. But I am working at a non-profit eligible for PSLF and do not get credit for the time I'm in forbearance. 

I've also sent multiple emails and Mohela responds " Our records indicate that you have already called and spoken to one of our Customer Service Representative regarding this inquiry on XX/XX/2023. We will assume the inquiry has been handled. '' I've gotten other email responses from later attempts. 

Please, assist me getting this resolved since I continually try to work with Mohela.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( XXXX Account Number XXXX XXXX {$3200.00} POSTED ON XX/XX/2019 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Checking or savings account

XXXX unauthorized charges were made on my Wells Fargo account through XXXX. I spotted this immediately and called Wells Fargo to alert them of the fraud. They provided a credit for both, but then months later reversed the credits without explanation, assisting in the fraud. This cost me {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

I had a balance of over {$17.00} and they said they get to keep it because once the card expires, they then charge $ XXXX for unuse of the card from the date it expires. This seems unfair and exhorbinant! They are Their phone number is XXXX. Their email is XXXX ; I had {$18.00} on it and dont remember using it. Here is there reply : Subject : Cardholder Services - Hawk Incentives- Fee Reversal Request Hello, We have resolved your case XXXX. Please see the comments for your resolution.
 Resolution Notes : Good day XXXX, We're reaching out from Hawk Incentives about the recent contact with case number XXXX. 

Please note that dormancy fees of {$5.00} were charged to your card and the new balance is {$0.00}, These fees are deducted because there are costs associated with account maintenance, largely driven by the legal and reporting requirements from the issuing bank. Please be aware that fees can not be reversed. We are sorry no balance is available on expired card
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies pull my credit report and assess if my financial profile without my authorization. I did not apply for credit so there is no valid reason for them to open and check my credit standing..Have this inquiry removed from my credit report asap XXXX - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had 2 previous occasions where my credit score has dropped within the last 2 month on only my Trans Union report. The first time it dropped exactly 20 points and no reason or justification was given, 2 weeks later the points were partially returned to my score. The second time the score dropped exactly 30 points and again when I inquired to Trans Union and XXXX XXXX I was told there are several factors involved. However no one could define those exact factors and why the sudden drop. While these events occurred all factors remained in moving toward a positive direction and my other reporting agencies increased scores using the same factors. In both events the points were returned a week or two later to my score. 

Then on XXXX my score dropped 43 points with just Trans union, they are still unable to provide any detail or reasoning for this. Just that there are several factors involved ... I ask these factors and they can not provide one. There are no items that have adversely changed on my credit reporting. I have no issues with other reporting companies and my credit scores continue to grow. But I feel there is unethical activity on my personal account with Transunion and not one of my consumers.
Product: Vehicle loan or lease

I got A car loan with credit acceptance with a high interest rate and Im still paying it off being over charged for years and still havent fully payed the car out.. its just sad how these companies do people.
Product: Mortgage

My mortgage documents are showing an audit and voluntary repurchase agreement in XX/XX/2013 from XXXX. The servicing has been transferred 2 times since then.XXXX  does not acknowledge these documents. After demanding paperwork and making previous complaints, I just recently was told of their existence .I believe we have been defrauded by all the major banks who held this property.After I questioned Mr. Cooper they transferred me to XXXX XXXX  XXXX..As of XX/XX/XXXX the loan number is the same under XXXX XXXX XXXX XXXX XXXX and Mr Cooper
Product: Debt collection

This debt was paid. In full XX/XX/XXXX XXXX Commenity Bank was taking XXXX XXXX out of my bank acct monthly.From XX/XX/XXXX Until XX/XX/XXXX .I have bank statements to prove it. 
Since they sent a summons I file a couple of the statements with the. Clerks office. On XX/XX/XXXX I do have more bank statments if needed. 
I truly believe since the company has exchanged owner ship of the debt 3 times.It may have been lost in the shuffle XXXX XXXX? 
Commenity Bank- they took all my money. 
XXXX XXXX XXXX - if they touch 1 cent I will sue them.Its paid in full.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report regarding my XXXX XXXX account, account number XXXX. Additionally, I wish to bring to your attention the illegal reporting of late payments on this account, which has significantly impacted my credit score. 

XXXX Credit Limit and Balance : The report indicates an open balance of {$320.00} with a credit limit of {$300.00}, showing that I am using XXXX % of my account 's limit. This information is incorrect. My current balance is $ [ Your Correct Balance ], and my credit limit is {$300.00}. 

XXXX. Payment History : The report shows that I have made XXXX  % of payments on time and lists missed payments. I have made all my payments on time except for [ specific number ] instances due to [ brief explanation, if applicable ]. Moreover, the reporting of these late payments is illegal according to 15 U.S. Code 1666 ( b ), which states that " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE. '' XXXX. Amount Past Due : The report indicates that my last payment was made on XX/XX/year>, and the amount past due is {$0.00}. However, this information does not align with my records, which show my last payment made on XX/XX/year>. 

XXXX. Dispute Resolution : The report mentions " Dispute resolved ; reported by grantor. '' I have not been informed of the resolution details, and I request a review and clarification of this statement. 

The inaccurate reporting of late payments has caused my credit score to drop between XXXX points. This is a significant and unjustified impact on my creditworthiness. 

Please find attached copies of my payment records, recent account statements, and any relevant correspondence to support my claims. I kindly request that these inaccuracies be investigated and corrected promptly, and that any references to late payments be removed in accordance with the law. 

Thank you for your attention to this matter. Please confirm receipt of this letter and provide updates on the status of my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I began receiving phone calls from a collection agency, which prompted me to do a credit check, where I found a few anomalies on my report.This is out of the norm because I usually pay in cash due to having little to no credit.When I requested a free credit report from the three major bureaus ( XXXX, XXXX, Equifax ) I had no problems with the first two..Equifax on the other hand is giving me a hard time.When I tried to register for an account I was redirected to a error page with a number to call.Their excuse was ; I need to first apply for a loan and a account would automatically be created or send I could send a few documents to them via I'm not understanding this, because their website is stating something different.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.