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

I have filed a dispute with LexisNexis for inaccurately reporting a bankruptcy on my consumer report. I formally disputed this record, but LexisNexis responded that it was " verified '' using PACER ( Public Access to Court Electronic Records ). 

The issue with PACER Verification : LexisNexis can not legally verify a bankruptcy record using PACER alone because : PACER does not contain full personal identifiers ( e.g., full Social Security numbers ). 
Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), LexisNexis must ensure the maximum possible accuracy in consumer reports.

Since PACER does not provide enough information to confirm my identity, LexisNexis has failed to meet its legal obligation to verify accuracy.

FCRA Violations : 15 U.S.C. 1681e ( b ) LexisNexis failed to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) Unverified or inaccurate records must be deleted from consumer reports.

I have also filed a complaint with the Attorney General 's Office because they have failed to comply with federal law.
Product: Debt collection

I dispute and demand the immediate removal of fraudulent items from my credit report. This misinformation is from inaccurate, incomplete, or unverifiable reporting. 
Details : 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
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Checking or savings account

My account was opened XXXX  years back at Capital One 360. It was opened with cash deposit of {$50.00}. later I made XXXX check deposits from my fathers XXXX acoount XXXX and XXXX within couple of months. I am a XXXX student and my father gave me that money for an emergency. In XXXX of this year 2023, they closed my account without any reason and according to them they returned the money to XXXX account belonging to my father. Unfortunetely, about XXXX  years back XXXX closed its business of personal banking and transfered its accounts to XXXX XXXX  and last year due to XXXXXXXX XXXXs customer service my fahter closed that account with XXXX and opened new account at XXXX XXXX. My father talked to XXXX customer service they informed that once account closed you can not deposit any money. I believe by law if any a bank close an account they should and must return the money to account holder by check at account holders address in their record. We keep money at bank because it is supposed to be a safe place. How can they send my money to just any place any time, how am I protected with my money.
Product: Debt collection

I am extremely disappointed that the CFPB closed my complaint ( ID XXXX ) without giving me the opportunity to fully explain my situation. I am now submitting a new complaint against Portfolio Recovery Associates LLC. Please review the attached documents, which include my previous complaint. You will see that Portfolio Recovery Associates LLC agreed to delete all accounts under my name but responded with an unnecessary contract. I found their response to be a lack of effort, and the documents they provided were irrelevant. AS I mentioned earlier, Portfolio Recovery Associates LLC initially removed the account from my credit reports. However, for some reason, the collection was reported again. I am requesting that this collection account be deleted from all three major credit bureaus immediately. I will continue to pursue this matter until I am satisfied with the resolution. Portfolio Recovery Associates LLC has been unprofessional, with poor communication, and has failed to honor their commitment to delete the account. I demand that this collection be permanently removed from my credit report. Furthermore, I have filed a report against Portfolio Recovery Associates LLC. If this account is not deleted, Portfolio Recovery Associates LLC will be seeing me and my lawyer in court. See attached documents for the reports filed against Portfolio Recovery Associates LLC.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance - XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$270.00} XXXX XXXX XXXX XXXXXXXX Balance {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account name XXXXXXXX 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions or concern.
Product: Debt collection

Credit acceptance is reporting wrong information. I tried with with all 3 credit reporting agencies to have this company removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i despite sending them, a letter, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Asset Amount : {$0.00}
Product: Vehicle loan or lease

open date of car loan XXXX XXXX date reported XX/XX/XXXX they were pose to send me a 1099c form to show how much they sold the vehicle for after repossession but i never recieved anything and its still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has alleged that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as 30 days late, which is incorrect and now they changed the 30-day late reporting months to XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which is again incorrect. Please see below for the outline as proof as this is also based on XXXX actual statements provided to me, which clearly contradicts XXXX reporting to the credit bureaus. 
XX/XX/XXXX- {$350.00} payment posted on XX/XX/XXXX, which was only 9 days late, not 30 days late. 
XX/XX/XXXX/ XX/XX/XXXX {$260.00} Payment was made on XX/XX/XXXX, which is 10 Days Before the due date, not 30 Days Late. Furthermore, this payment included XXXX payment, which only made 19 days late, not 30 days late as noted on the credit bureaus. 
XX/XX/XXXX/ XX/XX/XXXX- {$210.00} payment was made on XX/XX/XXXX, which was 1 week before the due date and was not 30 days late. This also included XXXX payment, which was only 21 days late, not 30 days late as reported. There was also a payment of {$110.00} made on XX/XX/XXXX, which was posted on the exact due date was not 30 days late. 
XX/XX/XXXX Paid {$110.00} on XX/XX/XXXX, which was correctly applied to XXXX statement, However, {$110.00} payment made on XX/XX/XXXX was misapplied to XXXX and was supposed to be applied to XXXX, not XXXX. There was also a {$350.00} payment posted on XX/XX/XXXX, which was only 9 days late, not 30 days late. 
XXXX, Transunion, and XXXX credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n 15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied that originated from the creditors and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediate and send a letter to me confirming the removal of the 30 day late notifications. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report since I have been receiving several calls from lenders saying that someone is trying to open bank accounts in my name. And I notice that there are some inaccuracies on my personal credit reports. And I recently read that the Fair Credit Reporting Act gives me the right ( by law ) to challenge anything that is not 100 % accurate on my personal credit report. 

Now I am asking for a FULL INVESTIGATION and PROOF from the account holder XXXX XXXX to show how I was late for the months of XXXX, XXXX, XXXX, and XXXX of 2019 when I had applied for refinancing but kept making payments. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof then these XXXX XXXX ( XXXX ) accounts must be deleted. So, I am requesting them to be deleted because they are NOT 100 % accurate. So, could you please investigate and get back to me? I know from reading an FCRA lawyers site that you have XXXX days to complete this investigation. 

Again, investigate these accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXX XXXX Account Number : XXXX Origin Loan Amount : {$15000.00} *Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Origin Loan Amount : {$9500.00} *Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Can I get an updated report after your investigation? You can use the above address ( same as my ID ) Thank you for your time and help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX XXXX XXXX { Credit Bureaus : ALL XXXX } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX  }
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to the credit bureaus in regards to several fraudulent accounts being reported on my credit file. I completed and submitted an identity theft report which included XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX for some reason still remain on my credit file. I have yet to receive and correspondence or documentation since from XXXX, Equifax, XXXX XXXX, XXXX XXXX XXXX, or XXXX. Report # XXXX also included addresses, names, and inquiries that were never initiated by me as well. Under the Fair Credit Reporting Act neither XXXX, Equifax, or XXXX  has provided accurate verification and should remove the fraudulent accounts immediately. Neither XXXX XXXX XXXX or XXXX XXXX has provided any initial 5 day communication has violates the Fair Debt Collection Practice by continuing to report fraud related accounts.
Product: Credit reporting

I have XXXX accounts on my transunion credit report that not being reported correctly. THE FIRST ACCOUNT IS XXXX THE ACCOUNT NUMBER XXXX. I HAVE DOCUMENTS TO SHOW WHY I BELIEVE THE INFORMATION IS BEING REPORTED INCORRECTLY. SO LETS START WITH XXXX I AM MISSING TRADELINE OF THIS ACCOUNT ON MY CREDIT REPORT. THIS CAR WAS FINANZE FROM XXXX ON XX/XX/XXXX AND ON TH RATING PART ON MY CREDIT FILE IT DOESNT SHOW THAT DAT ANY MORE BUT ON MY EARLIER CREDIT REPORT IS SHOWS THAT AND I WANT THIS PUT BACK ON AND STAY ON. I HAVE MY INSTALLMENT AGREEMENT THAT SHOWS THAT DATE AS I AM REPORTING. SO I AM DISPUTING THE MISSING TRADELINE ON MY CREDIT REPORT. I AM MISSING THE BALANCE ON MY CREDIT FILE ON MY EARLIER CREDIT FILE IT SHOWS THAT BUT ON THIS IT DOESNT SHOW THAT. I AM MISSING THE HIGH BALANCE COLUMN ON MY CREDIT REPORT IS SHOWING IN BRACKETS ON THE BOTTOM STATING AS HIGH BALANCE OF XXXX FROM XX/XX/XXXX TO XX/XX/XXXX THAT INFOMATION IS BEING REPORTED INCORRECTLY. I WANT THAT REMOVED OFF MY CREDIT FILE AND I WANT THE COLUMN AS SUCH BEFORE THAT SHOW HIGH BALANCE AS XXXX LIKE IT STATES ON MY EARLIER CREDIT REPORT. WHNE YOU LOOK AT THE INSTALLMENT AGREEMENT IT STATES HIGH CREDIT XXXX AT THE START OF THE LOAN FINANZE. ON THIS ACCOUNT I SHOULD HAVE LAST PAYMENT MADE FOR XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX PLUS THE TRADELINE AS XX/XX/XXXX IT SHOULD SHOW XXXX FOR RATING PART ON THIS CREDIT FILE. WHEN I GOT FINANZE I WAS INFORMED PAYMENT ARE DUE ON THE 4 DAY OF EACH MONTH AND I WAS INFORMED THEY UPDATED MY CREDIT FILE ON THE 14 DAY OF EACH MONTH AND THEY UPDATE MONTHLY BUT I DONT SEE SOMETIMES THEY UPDATE WHEN THEY FEEL LIKE IT. I WANT THIS ACCOUNT UPDATED CORRECTLY AND I WANT MY DOCUMENTS TO SHOW AS MY DISPUTES. ON MY XXXX XXXX ACOUNT XXXX THIS ACCOUNT NEEDS TO BE UPDATED ON MY DATE OF LAST PAYMENT IS SHOWING AS XX/XX/XXXX. BUT ON MY RATING PART ON THIS ACCOUNT IS SHOWING CORRECTLY FOR XX/XX/XXXX. I WANT DATE OF LAST PAYMENT TO SHOW AS CURRENT MONTH AS MY LAST PAYMENT. I WAS INFORMED FROM XXXX XXXX IT SHOULD BE SHOWING XX/XX/XXXX SINCE THEY REPORTED RECENTLY SO MY LAST PAYMENT DATE SHOULD BE REFLEXING XX/XX/XXXX AS MY DATE OF LAST PAYMENT. I WANT PAYMENT RECEIVED UPDATED,. I WANT THIS COLUMN UPDATED EACH MONTH WHN IT GET UPDATED FROM THE CREDITOR BUT THAT THE ONLY ISSUE I HAVE ON THIS ACCOUNT
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir Madam, Subject : Request for Account Details Account XXXX I am writing regarding the above-referenced account. Please note that I am not disputing the account. However, I kindly request that you provide the following information. 

XXXX The Date of First Delinquency for this account. 

XXXX The Date of Last Payment made on this account. 

The Date of Charge-Off or UPDATE for this account. 

I would appreciate it if you could provide this information in writing. If additional authorization is required to process my request, please let me know at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of this account for several reasons : Conflicting Status : The account is reported as charged off as of XX/XX/year>. The account was in fact sold to a 3rd party collection agency whom is not reporting and is not licensed to collect in fl. 
Late Payments : Previously Reported : The report details late payments. According to the Fair Credit Reporting Act ( FCRA ) guidelines, late payments are considered as transactions or experiences and should not be reported. 
Lack of Verification : My previous request for verification and validation of this account resulted in an insufficient response. Details on who verified the information, their title, and the verification method used remain unclear. 
These inconsistencies and lack of proper verification constitute a violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, which requires credit reporting agencies to ensure the accuracy and fairness of consumer credit information. 
Based on the inaccuracies above, I demand the complete deletion of this XXXX XXXX ACCOUNT from my credit report. Please investigate this dispute thoroughly and provide a written response within 30 days of receipt of this letter. 
This response should include : Explanation of the investigation conducted. Details of any communication with XXXX XXXX regarding verification. A revised credit report reflecting the deletion of this account, if applicable. 
Thank you for your prompt attention to matter.
Product: Credit reporting or other personal consumer reports

Inaccurately reporting my private information is against the law under you and this company needs permissible purpose. Attached is proof of the information being inaccurate. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

At annualcreditreport.com I can never get my credit report or credit score from Equifax. I have to call the request in and it takes 15 days to get it in the mail. I got a letter from XXXX XXXX saying that my Equifax credit report or score was " bad '' and I might have to make a deposit. I can get an immediate online Equifax credit report and score if I pay those corrupt XXXX MONEY. They are trying to extort money out of me instead of complying with the law and providing my credit report to me for free online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to company on multiple occasions as they continue to report the wrong amount currently due by over {$1000.00}. I have made on-time payments since the inception of the loan in XX/XX/2019 and have paid down a {$1000.00} of the loan, but despite reaching out to Net Credit, they continue to report the wrong information to credit bureaus. I owe approximately {$5300.00} and they continue to report {$6300.00} which shows I have made NO progress toward to repayment. I don't know why they can't report accurate information.
Product: Credit reporting

This is regarding a judgment from XXXX Receivables that was discharged through bankruptcy from 2012 and still shows in my credit report. This should have been removed as this has been discharged. This is from XXXX Receivables.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the information reported in my credit file. After thoroughly reviewing my credit report, I have identified inaccuracies that I believe are a result of negligence and non-compliance with the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o regarding civil liability for negligence. 

Disputed Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items in question have been reported inaccurately, and despite my best efforts to resolve this matter through previous communication with your agency, the necessary corrections have not been made. Under Section 1681o of the FCRA, I am entitled to request a proper investigation and correction of inaccurate information. Moreover, I believe that your failure to fulfill your obligations under the FCRA constitutes negligence, which exposes your organization to civil liability for any damages resulting from the errors in my report.

According to FCRA Section 1681o, any person who negligently fails to comply with any requirement of the Act can be held liable for actual damages, and I am requesting the following : Immediate investigation and correction of the disputed items.

A written explanation of the actions you have taken to resolve this issue.

Compensation for any damages incurred due to this negligent reporting, should the inaccuracies not be resolved in a timely manner.

I expect that you will take the necessary steps to investigate this dispute and correct any errors in accordance with the FCRA. Please provide me with a written response to this matter within 30 days from the date of this letter.

If you fail to resolve this issue within the prescribed time or continue to report inaccurate information, I will have no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies under FCRA Section 1681o. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Debt collection

The firm Mullooly, Jeffrey, Rooney & Flynn LLP ( MJRF ) has indicated they are suing me for a debt owed to XXXX XXXX bank. 

They filed the attached with the court claiming I owe the same amount to XXXX XXXXXXXX XXXX. 

I am extremely confused as you can see MJRF 's internal index number ( their MJRF # ) is the same on both the summons and complaint for XXXX, and the affidavit from XXXX XXXX  XXXX. 

I do not bank with XXXX  XXXX XXXX, have no history with XXXX  XXXX XXXX. 

In addition, I am disputing the debt from XXXX. 

It therefore seems that MJRF does not properly review their files, and this is evidence of this fact. They seem like they are some kind of boiler room for debt, trying to collect without any care for facts.
Product: Vehicle loan or lease

Subject : Formal Complaint Against Credit Acceptance Corporation for Unfair Practices Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Credit Acceptance Corporation regarding their persistent and unwarranted communication practices, despite my explicit request for all communications to be conducted in writing. 
Details of the Complaint : Background : On XX/XX/XXXX, I requested that Credit Acceptance Corporation cease all phone communications and correspond with me exclusively in writing, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). 
Violation : Despite this request, I received a dismissive response from Credit Acceptance Corporation, stating : We are in receipt of your email/request. Should you have any questions, please contact us at ( XXXX ) XXXX. This response disregards my explicit request and fails to address my concerns adequately. 
Defamatory Statements : Additionally, in their previous communications, Credit Acceptance Corporation has made unsubstantiated and defamatory claims about my actions, including allegations that I had control of certain devices, which is categorically false. 
CFPB Complaint Closure : I previously filed a complaint with the CFPB, which was closed on the grounds of repetition. I believe this closure was premature, as my concerns remain unresolved, and Credit Acceptance Corporation continues to engage in practices that I consider to be in violation of consumer protection laws.