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

I sent the following letter to this XXXX party agency and they responded by saying the XXXX XXXXy court verifies the alleged bankruptcy for them. I contacted the US bankruptcy court and received a letter back from the XXXX XXXX  court clerk stating that they do not verify bankruptcies for credit bureaus or third-party agencies like Lexisnexus. 

I also disputed with Lexusnexis as per XXXX XXXX XXXX Privacy protections for filings made with the court. My permission is required to publish such alleged public record in which I never provided concent. 

15 USC 1681 ( 4 ) I have not received a response back yet. 


LexisNexis Risk Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : The inaccurate and certifiably noncompliant information you are reporting To whom it XXXX concern : I am writing you with this formal objection of information published and provided by you to XXXX, XXXX and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 

You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the XXXX  as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less an alleged Public RecorXXXX that was not even reported to you by the alleged court. I formally contest the reportability of the alleged public record. 

Immediately, DELETE ALL record of the following alleged publ record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and in compliance with all XXXX reporting standards. 

XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXe Filed/Reported : XX/XX/year> Reference/Case : XXXX Closing Date : XX/XX/year> This Public Record item is deficient as reported, and per federal reporting regulations all claims MUST be to a maximum " possible '' Accuracy and a maximum " possible '' completeness, which extends to the reporting mandates that there be no deviation from XXXX XXXX Format compliance since XXXX per the XXXX, DNP XXXX " Any deviation from these standards jeopardizes the integrity of the data ''. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2018 I received an alert from my credit monitoring app that my XXXX student loans was 2 mths past due. I immediately called XXXX and Notified them of the report. They said that was an error and their part and that the two loan amount were n't allocated properly. They promised they would notify the creditors. A week later it was reported that indeed the accounts were in good standing and never paid late. On XX/XX/XXXX I received another alert from my monitoring app that my student loan was 30 days past due. I have never paid late and they have continued to cash the checks I send every month. This has affected my credit score in the worst possible way. My score has dropped 70 pts which is crippling my ability to obtain any loans
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one credit card account with XXXX XXXX XXXX. At this present time they is a duplicate account on my Equifax Credit Report. I have disputed thus account in the past and it was removed from my report, but at this present time it appears on my Equifax credit report rwice.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I live at any of these addresses.
Product: Checking or savings account

I am a Capital One small business client- they had a system outage that prevented me from paying another bank to pay off my loan. The amount of the payment was {$80000.00}. I have been paying interest on the outstanding loan balance, and XXXX XXXX has still not processed the wire that I initiated on Wednesday, XX/XX/XXXX ; as of XXXX am on XX/XX/XXXX, the problem has not been resolved. I am paying 6.75 % on the loan, and as of today, y I am out {$88.00} and counting
Product: Credit reporting or other personal consumer reports

( 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 Experian credit reporting agency, block information appearing on my consumer credit report that is the 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 on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal Credit account opened at XXXX Bank on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you 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 appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

Chase allegedly received the incorrect amount for the payout of a totaled loss vehicle from XXXX. I did not write this payoff check and should not be dinged for a 30 day late payment when I did not make the payment. 

I did not know any remaining balance existed and when I found out, I paid it. 

I ended up getting another vehicle loan from Chase and it was very confusing because I got the same year make and model vehicle. 

Not sure why Chase has literally refused to update my credit report as all I do is continue to do business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I recently got a copy of my credit report and saw some items I did not personally benefit from nor have any knowledge of. I submitted all documents asked of me by the bureaus but still have yet to receive any action on their parts. This situation is hindering my ability to purchase my first home and i would like the situation resolved as soon as possible.
Product: Debt collection

This is my second complaint about this company. They have inaccurately reported to the credit bureau AGAIN and negatively impacted my credit. The company has responded to my previously complaint # XXXX with LIES. I have NOT received any communication from this company regarding the debt or my ability to dispute the debt. 
As per their communication to your office they indicated Sunrise sent multiple written correspondence detailing the account and containing all required disclosures, but we were never able to reach Ms. XXXX via phone '' This is not factual information. My rights under the FCRA are not communicated by phone. I have never received communication from this company. 

Further your company reported this information excessively. 
Your response on XX/XX/21 stated " Sunrise has also sent a deletion request to the credit bureaus to which it reports on behalf of the creditor to remove any negative trade-line it may have reported Sunrise will no longer be involved unless we can be of assistance to your office or the consumer directly '' Now. LESS than 30 days from the company statement, this information was reported again to the credit bureau. This furthers my claims of excessive collection activity. 
Cease and desist with this predatory practice. 

REMOVE THIS INFORMATION and STOP PROVIDING FALSE STATEMENTS TO THE CFPB. I WILL PURSUE MY RIGHTS TO SUE YOUR COMPANY FOR VIOLATION OF MY RIGHTS.
Product: Mortgage

I refinanced my mortgage at the end of 2020. My prior mortgage was with Bank of America. I had paid ahead on my mortgage so BofA provided me with a check for monies I paid ahead. The amount paid to me was not the full amount that was owed to me. Below is the calculation of what is owed to me Original Mortgage Amount : XXXX + Int. disclosed to me on tax forms XXXX New Balance XXXX -Payments made by me XXXX New Balance XXXX - Payoff amount sent to BofA XXXX Difference XXXX + check sent to me by BofA XXXX Difference XXXX As you can see BofA owes me {$7900.00}. I have raised this issue with them several times during the past month ( I have been given the following case numbers SR XXXX, SR XXXX, SR XXXX ) and keep getting passed from group to group. I have attached the Form 1098 for the years of the loan, a copy of the BofA Payoff check and a spreadsheet that details the payments I made to BofA during the life of the loan. I can provide the checking statements showing each payment if you wish.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

COMPLAINT AGAINST EARLY WARNING FOR VIOLATION OF FCRA SECTION 611 ( a ) ( 5 ) ( B ) I PREVIOUSLY DISPUTED A TRUIST SUNTRUST ACCOUNT WITH EARLY WARNING WHICH WAS FOUNS TO BE INACCURATE AND SUBSEQUENTLY REMOVED. HOWEVER, THIS ACCOUNT HAS BEEN REINSERTED INTO MY CREDIT REPORT WITHOUT ANY NOTIFICATION FROM EARLY WARNING WITHIN THE REQUIRED 5 BUSINESS DAYS. THIS ACTION IS IN DIRECT VIOLATION OF THE FCRA SECTION 611 WHICH MANDATES THAT CONSUMERS MUST BE NOTIFIED IF PREVIOUSLY REMOVED INFORMATION IS TO BE REINSERTED INTO THEIR CREDIT PROFILE. THE LACK OF NOTIFICATIONHAS CAUSED UNNECESSARY STRESS AND POTENTIAL HARM TO MY CREDIT PROFILE.I HAVE ALREADY CONTACTED EARLY WARNING REGARDING THIS MATTER WITH NO HELP SO THEREFORE I AM SEEKING YOUR HELP WITH THIS MATTER SINCERLY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX and her team at Experian Special Services reporting agency ls violated my rights. 


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

15 U.S.C. 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XX/XX/XXXXTrafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Mortgage

Newrez processed a regular monthly payment as an extra payment, inaccurately causing it to appear as if a payment had been missed. These people are scum, this is probably some kind of scam to get late fees out of borrowers who are paying on time.
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 XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/year> 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX a repo company tried to come to my mother 's house and repossess my car. My mother is a loan manager herself for a local credit union and works with this company so was obviously completely embarrassed and called me right away. I was told that they were coming within 24 hours to take my car because XXXX said I had not paid on it in 3 months. Long story short I have always gone through the drive through since my branch was XXXX XXXX and paid my car loan. For the last 3 months whoever was working the drive through window put my payments on the WRONG ACCOUNT. I called and was told I needed to bring proof that I had paid. I got my bank statements and printed out the cancelled checks and took them in. They never apologized and acted like it was no big deal. I told them I needed a demand letter stating exactly what happened ( this is in my BBB complaint ) and for my credit score to be wiped clean ( it had significantly dropped due to these fraudulent " missed payments '' ). I was assured of all of this. After filing a complaint with the BBB, someone called and said that they still had no idea why my payments went into the wrong account ( so now I have to worry every single month when I go in to pay ) and that my credit report was fixed. Just looked at my credit report and it is fixed for XX/XX/XXXX payment fur XX/XX/XXXX payment is still showing missed and my credit score is still significantly down. I 've still never gotten an explanation or apology from the branch and my mother being a loan manager is appalled at their business practice and I 've asked for a credit multiple times and have been ignored. Why are they able to benefit off of my money and go on with their " business '' as they 're wreaking havoc on my life and causing me unwarranted stress. I need my credit report wiped clean of this immediately, and once again feel I should get some sort of credit to my account for all of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The month of XXXX and XX/XX/2017 it has reported that i was 30 days late on my payment. I did not have a late payment. XXXX XXXX XXXX is the credit card company.
Product: Debt collection

I wrote to formally address the communication where I did not receive anything from RESURGENT CAPITAL SERVICES regarding the alleged debt they claim I owe. This is considered willful misconduct. I believe that this communication contains false or misleading representations and involves unfair practices that violatethe Fair Deb Collection Practices Act. ( FDCPA ) Firstly, I requested validation of the debt as mandated by the FDCPA. Also asked to provide me with the following information. 

1. Verification of debt including amount owed and how you calculated 2. A Copy of the Contract or Purchase Agreement that legally binds me to this debt 3. Prof that you own or have been assigned the debt. XXXX XXXX  with the original creditor 4. Detailed information on any payments made and any late fees assessed. Date of last payment 5. The insurance claim of debt 6. Statute of limitations Additionally, I have concerns regarding the manner in which the debt was represented to me. Specifically, I believe the information that was provided lacks clarity and may mislead me regarding the true nature of the debt and my obligations. This misrepresentation could constitute as an unfair practice as it does not accurately reflect the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS USED WITHOUT MY KNOWLEDGE AND CONSENT AND SOMONE OPEN SEVERAL FRAUDULENT ACCOUNTS WITH MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

They have attempted to contact me 8 times, just today. My understanding is a reasonable number of phone calls is 7 times in 7 days. They attempted 6 times yesterday. I can provide more documentation, but this should suffice.
Product: Credit reporting or other personal consumer reports

I sent a letter to three bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Union Bank has charged me a Loan application fee without my consent. Their claim is because I downloaded and printed the initial loan disclosures, I automatically consented to them and thus I've applied for the loan. There are many issues here. One, without being able to download/print, how can I review the initial disclosure let alone provide an electronic consent. They claim to be following federal reguation/guidelines but are unable to show me evidence of me providing consent. They even sent me a log which showed action as consented and subject as " previously consented '' which I have no idea how they reached that conclusion. The loan officer asked for my credit card to get the third party appraisal but instead, ended up charging me for Loan Application. Even in the initial disclosure, the Loan application fee is listed under Origination fees which only become valid once loan is approved. There is so much deceptive practice here that I am perplexed they are able to keep their license. Their VP of Customer Resolution Manager said I had completed an application, which was actually the application to get PRE-APPROVAL. That's the only application I completed or sent them. Yet they are claiming that I consented to their Initial disclosure but are not providing any proof beyond the print out that I have attached which again says " previously consented '' which I have no idea what it means or what its based on.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX {$500.00} XXXX  XXXX {$1000.00} XXXX XXXX {$300.00} XXXX XXXX {$610.00} XXXX XXXX XXXX  XXXX {$610.00} XXXXXXXX XXXX {$52000.00}