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

I am filing this complaint against LexisNexis for their failure to adequately respond to my dispute letter, which I mailed on XX/XX/year>, via XXXX XXXX Mail ( Tracking # XXXX ). 
In my dispute letter, I challenged two specific issues on my LexisNexis consumer report : Inaccurate Personal Information The Accuracy and Verifiability of a Bankruptcy listed as : Court : Texas XXXX XXXX Bankruptcy Filing Number : XXXX On XX/XX/year>, I received a response from LexisNexis. However, this response only addressed identification records, insurance policy records, property insurance claim records, property deed records, property assessor records, professional license records, phone records, online marketing records, and address characteristic records. The response did not address the bankruptcy dispute included in my original letter.

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies like LexisNexis are required to conduct a reasonable investigation of disputed items and provide a resolution to consumers within 30 days. Despite delivering my dispute and fulfilling all requirements on my end, LexisNexis has failed to investigate or provide any resolution regarding the bankruptcy. This omission is a clear violation of my rights under the FCRA.
Product: Debt collection

I have written several times asking for VALIDATION and PROOF that I applied for a PAYDAY LOAN I have gotten no assistance in this matter and no response in timely manner. 

I am asking that this account be validated showing a SIGNED contract with myself and National credit adjusters/XXXX XXXX If this account can not be lawfully validated I ask that this account be removed from my credit report and discontinue collections attempt and reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received notice of credit opened in my name ( XXXX XXXX XXXX ). Advised company. Now I am getting negative credit notices for past due balances.
Product: Student loan

I have tried to dispute the validity of the loan with Navient and was declined in XX/XX/2017 then today showing on my credit report just 1 of the multiple loans increased over {$600.00} and no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  reported on my credit that i missed a payment, my loan has been paid off and i pay every month, i did not miss a payment in XXXX as stated by this company. I called but they were unwilling to help. They can check there records.
Product: Consumer Loan

Santander Consumer Loans listed on my credit report the account is a charge off, furthermore reporting several months of late payments. This account was made current prior to the late reporting and all attempts to have negative items removed and/or updated have failed continuously. I have uploaded the title sent from this company showing the account was paid in full and current at the time of payment.
Product: Debt collection

XXXX XXXX is offering me a payment plan called the CARE Program, which stands for Customer Assistance Relief Environment. I had some XXXX XXXX credit card debt which was then sent out to a third party, Central Credit Services. 

I have been making monthly payments consistently with CCS. This month, they offered me to elect to join the CARE program, which purports to be a monthly payment program which will alter my interest rates on the debt. They told me some of the terms on the phone. It sounded like they were offering to waive all late payments, but they said that the terms might change if I did not make my payments on time, so I was suspicious. I asked the people at Central Credit if I could get a written disclosure either digitally or in writing that contained the terms of the payment program. They told me they could not send me the terms until I agreed to join the program. I told them multiple times I did not want to sign up for anything without reading the terms, and they told me they could not send me the terms until I was in the program and kept stressing to me that I might not continue to be eligible for the program if I did n't sign up today. I told them I 'd think about it and get back to them and they continued to stress that I might lose eligibility for the program if I did n't sign up today and agree to a number of agreed monthly payments ( which were higher than my current minimum payment ). 

I told them no, and when I transferred back to make my monthly payment, I was asked to verify the amount I would like to make in my monthly payments. I told the representative I would only like to make one payment, and they finally backed off. 

It feels bizarre that they offered to change the terms of my underlying debt but would n't give me a written disclosure of the terms of the agreement. 

I posted about this on XXXX, and asked other folks to comment if they 've had the same problem. That 's here : XXXX/
Product: Credit reporting 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 XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a 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: Credit reporting

I disputed some inaccurate items that are on my credit with Equifax. It has been 60 days and I still have not heard anything from them, yet the items are still reporting on my credit
Product: Student loan

Student loan payments resume this month. I logged in to my account to make a payment, and they claim I owe {$990.00} TODAY. 

My total loan amount is {$14000.00}, to be paid off by XXXX. My interest rates are 4 %. I also received a XXXX XXXX, and was granted forgiveness before that was rescinded by the Supreme Court. I then applied for a payment plan adjustment. I am currently unemployed. 

Before XXXX pause, my payments were around {$120.00}. $ XXXX is literally insane. It's inexcusable, predatory, and borderline extortion. 

Aidvantage should be dissolved as a company!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with a XXXX XXXX representative asking some basic questions about a refi. Several months later I ran my annual free credit report and saw that there were 2 recent hard inquiries. When I asked Experian, they stated XXXX XXXX had run a credit report. Experian reached out to XXXX XXXX, they stated that in my conversation with them I gave the Mortgage Banker the necessary information to review my credit. 

I did no such thing! I know what my credit score is, there is no way during the initial phone call would I give a level entry person my information and authorization to run a hard credit check on me.
Product: Credit card or prepaid card

XX/XX/XXXX To Whom It May Concern, I would be very grateful if you would kindly delete my credit card from the record. The credit card has been paid in full plus any applicable late fees. In the end you made a lot of money from me. 
As your record indicates, I have dealt with the XXXX of my brother in XX/XX/XXXX and my life required a lot of work and change to get where I am now. I left a job and moved home from XXXX to XXXX to be near family. We are in a much better place emotionally and financially now. I continue to pay my credit card on time and have a small balance now. 
As I am sure you are aware, having a good credit score is important for many purchases in life. I would be very grateful if you would please ask the three credit agencies to remove any derogatory remarks, namely the late payments that show and/or anything else that would negatively affect my credit score. If you cant do this : DELETING THE ACCOUNT is entirely fine, as it is up to you to report ( stated before by previous cc mentioned ). 
I have included the obituary of my brother. This information should be in my profile, because I did call at the time to indicate I was going through a literal XXXX and needed your understanding and leniency. 
Thank you for being apart of the rebuilding after the hardest event in my life. 
Kind Regards, XXXX XXXX Link to brothers obituary XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID Theft. 

Please see the ID Theft Affidavit attached for the fraudulent account, and inquiries listed on my credit report. I've attached a scan of my ID front & back for purposes of verifying me. I've also attached a NOTICE TO FURNISHERS stating you guys must do your jobs and remove all of this information. 

FYI ; on some of the inquiries some of them appear more than once and I did my best to try and list them all correctly.
Product: Debt collection

Debt was paid in full to XXXX, the Electric provider. Collection company, Eastern Account System, claims entire amount paid to XXXX is the debt I owe them. XXXX processed payment XX/XX/24. My credit took a hit of XXXX points because of the clerical issue, right as I'm in the process of replacing my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex girlfriend opened a checking account at XXXX XXXX XXXX. After her and I broke up I called the credit union and advised then we had broke up and I would like my name removed from the account. I also stopped direct deposit of my pay check to that account. Some time after all this, my ex over-drafted the account, and it was charged off and set for collections. It also shows on my credit file. I have called and wrote the credit union several times asking for it to be removed. They still refuse to remove the account from my files.
Product: Debt collection

On XX/XX/XXXX I have sent in a dispute for this account and still have not received information back from the company
Product: Credit reporting or other personal consumer reports

Got A stall letter tactic from transunion on XXXX XXXX XXXX  which was very rare and strange that transunion did not even do any investigation or a reasonable investigation as The FCRA requires transunion to perform. I sent on XX/XX/2024 the correspondent document with proof of identity already twice. Transunion ran a foul of FCRA section 611 ( a ) ( 7 ). Transunion want to push corporate company policy on me instead of following FCRA Law as It is Federal law that Transunion has to comply whether Transunion likes it or not. It's Federal Law that rules here, not Transunion corporate policy. My consumer rights have been trampled on. Transunion failure to forward me the required documentation as well as forward documentation to the furnisher as required by law has violations left and right. Please CFPB i would like this resolved, Transunion is laughing at the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2019 I contacted Care Credit regarding them reporting to the credit bureau that I was late for XX/XX/2019. I was never late. I talk to a female customer representative and was told they would contact the credit bureau and report as not late. Its been years and still no change. Please help me
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX & XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX/16 i have no knowledge of this accounr
Product: Credit card

I applied for a XXXXXXXX XXXX credit card. I never received a credit card, a statement, an address for payment, information on interest rates or information on any interest imposed. 
The next thing I was informed about was by XXXX, reporting a delinquency. 
The lender is listed as COMENITYCAPITAL/XXXX. It provides no phone number or any further information about the account.

I

have no documents to provide because Comenity never provided me with any documents. This is an unfair business practice, a deceptive practice under New York General Obligations Law Section 349 and probably a violation of the Truth in Lending Act.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information on the account listed below. 

XXXX  Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( 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 card or prepaid card

JP Morgan Chase has made an egregious mistake on my credit card account billing me for unauthorized fraudulent activity perpetrated by criminals as a direct result of a loop hole in Chases banking system that erroneously allowed payments to be reversed on my credit card resulting in {$57000.00} in total charges including the original fraudulent amount and interest and fees that have accrued as a direct result of Chases incompetence in not more promptly resolving the matter and greed in wanting to profit from criminal activity while scapegoating the innocent customer into footing the bill. This is not only unlawful but deeply unethical leading to defamation as my credit score has declined resulting in lost employment  opportunities as Im currently unemployed and looking for work as a direct result of this incident and tremendous stress leading to declines in my mental health that have resulted in XXXX, XXXX and thoughts of XXXX. Instead of showing the slightest good will towards a loyal customer, Chase corroborates with the criminals in taking advantage of the innocent at my most vulnerable by providing a banking platform for criminals to carry out their scams while turning a blind eye to the scheme despite repeated notifications to the fraud department as far back as XXXX when I first discovered the scheme and notified police. Furthermore, the eventual tally resulted from not just a single reversal but multiple and after discovering the first one and notifying Chase, Chase did not at all correct the mistake or attempt to stop more from happening on my account. This is in direct violation of the Bank Secrecy Act of 1970.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the laws : 15 USC 1681 c ( b ) 15 USC 1681 i ( 5 ) 15 USC 1681 s there are numerous accounts on my credit reports with different and inaccurate dates, being date opened, dates of last activity, and last reported dates. Dates are inaccurate and different on each credit bureau reports XXXX, XXXX and transun Credit reports should be 100 % accurate and correct by the laws of the FCRA
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$890.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX - BALANCE {$180.00} Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$550.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

after reviewing my credit report i was able to identify multiple accounts that are still reporting due to fraud / identity theft. I submitted FTC identity theft reports affidavit written statement proof of identity with proper documentation and Equifax continues to report fraudulent accounts to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit file from credit bureau services. This account isnt mine and under the FDCPA this a violation of my rites.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Product: Credit reporting, credit repair services, or other personal consumer reports

All FedLoan in credit report has been legally discharged as paid infull for legally cognizable reason. Wherefore, should be mark as paid infull/discharged on credit report.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I made a phone call to Wells Fargo stating I would like to close all of my accounts with the company. The representative helping asked if I'd like to close my savings account as well to which I responded yes along with my credit card account. They stated my accounts were closed however months later I noticed my credit score went down drastically. After calling to discuss how I already closed my account and should not have any outstanding balances it turns out an autopay charge from XXXX of XXXX had been interest for several months. I told them that this didn't make any sense and I don't feel as though I should be responsible for paying the accrued amount since I had already closed this account. Rather than investigating the issue, they suggested I settle which I did immediately to rectify the issue. However, I was not aware that settling would worsen my credit score and that the late payments would remain on my credit report. As of XX/XX/XXXX, my Wells Fargo case manager reviewed the phone call and mentioned they could escalate the issue to their manager but that they've never reversed a settlement before. Despite substantiating the fact that I intended to close all of my accounts including my credit card on the XXXX phone call, it seems that Wells Fargo is not willing to accept accountability for the representative 's error and help remove the negative mark from my credit report.