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

On XX/XX/year> I called Victoria Secret Comenity Bank credit card to pay off and close my credit card ending in XXXX. I was charged a total amount of {$12.00} on XX/XX/year> over the phone. Attached is the XXXX XXXX XXXXXXXX statement with the payment details. To my knowledge the account was paid in full, satisfied and successfully closed. 

In XX/XX/year> I was surprised when I received a credit monitoring alert of a late payment. After looking into the alert I discovered Victoria Secret was charging me with a late payment. 
After calling Victorias secret to state the inaccurate information/charges they informed me that on XX/XX/XXXX a {$9.00} fee was charged for paying the account over the phone with a representative. Please note I was never made aware of this charge and you are welcome to ask for the recorded call on my behalf if you need verification. 
On XX/XX/XXXX I called again because I had requested a letter stating that everything was paid off and a representative assured me that the account was closed on XX/XX/XXXX. If the account was not going to be accurately closed then why also cancel my automatic payments? Please see attached the VS credit card statement that I had automatic payments being deducted every month so that I never missed a payment. Again, If I had known of such a charge I would have paid it or asked for it to be waived. The omission of this information has caused significant damage to my credit score.This is an unfair and unethical process on behalf of Victoria Secret Commenity Bank. 

Please support me by removing this unfair late payment from all of my credit reports.

I have attached the following : VS statement that verifies that I paid on XX/XX/XXXX and also had automatic payments being deducted. 
I attached the bank statement that states that I paid on XX/XX/XXXX. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

2ND COMPLAINT Dear Sir, I am in receipt of the response from LexisNexis regarding my complaint # XXXX. In their response, LexisNexis acknowledges that US Bankruptcy Courts do not provide information directly to consumer reporting agencies and that they ( LexisNexis ) have not verified the information they are providing to the three credit bureaus in accordance with FCRA laws, Section 611, paragraph ( 6 ) ( B ) ( iii.

LexisNexis confirms that they obtain their information from a third-party electronic source which is XXXX  Their acknowledgment of third-party information collection confirms that they are in direct violation of FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii, and therefore the bankruptcies they are reporting should be immediately deleted.

Please note, a third-party furnisher of information, such as PACER, does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third-party source.

According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) from LexisNexis of the following : 1. The courthouse name.

2. the name of the person who verified the bankruptcy.

3. the court address.

4. the court telephone number ; and 5. the documentation used to verify the bankruptcy If LexisNexis can not provide the information requested above in accordance with FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation, I request that the CFPB take the appropriate action against LexisNexis for violation of federal law and additionally demand that the bankruptcies be removed from my credit report.

If the unverified bankruptcies, according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ), are not removed within thirty days further action will be taken not to exclude legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company XXXX XXXX XXXX , XXXX is reporting I was late XX/XX/XXXX thru XX/XX/XXXX, I was never late. This account should have closed in XXXX. XXXX XXXX have kept this account open for 5 years to date.
Product: Credit reporting or other personal consumer reports

I received notice today from ID Alert that these crooks are continuing to add these UNVERIFIED accounts onto all of my credit reports that they never sent me letters to verify and do not look familiar to me, even though I have filed a report with you, they continue to break the FCRA and FDCPA and disregard your authority and the laws!!!! I want you to go after them legally and shut them down!! I also want you to share all of my complaints with the FTC and IL Attorney General so they can be involved and apply fines too!! I also want them fined for Elder Abuse as I am over XXXX XXXX XXXX and they are intentionally harassing me!! 

New Account - New Account XX/XX/year> Alert Type : New Account - New Account Found On : XX/XX/year> A new account has appeared on your credit report. 
Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

XXXX XXXX XXXX Account Balance {$93.00} Payment XXXX NameXXXX XXXX XXXX Business XXXX XXXX Address XXXX XXXX XXXX CityXXXX StateMA XXXX Here 's what to do : Call a Restoration team member at XXXX. As specialists, we'll help you determine if an identity theft event has occurred and guide you through any necessary restoration activities. We may take the following actions on your behalf : Contact the Social Security office Review your credit report for indications of identity theft Place a fraud alert or security freeze with the three credit bureaus Potentially Negative - Major Derogatory XX/XX/year> Alert Type : Potentially Negative - Major Derogatory Found On : XX/XX/year> A new derogatory mark has appeared on your credit report. Please review the details of the alert for information that may indicate identity theft.

Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

XXXX XXXX XXXX Balance Amount {$93.00} Is CollectionYes Open XXXX Payment XXXX XXXX XXXX ( Collections ) Status XXXX NameXXXX XXXX XXXX Phone ( XXXX ) XXXX Business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX violated my 609 rights bu reporting incorrect information to Equifax further violated my rights by adding this incorrect information to my credit profile for others to see XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, Equifax XXXX XXXX XXXX, XXXX XXXX XXXX reported to Equifax that i applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a balance of {$310.00} with XXXX XXXX on my report that I paid in full. The balance still has not been updated. Not only that, I spoke with a representative prior to making payment in full and they advised that the account would be removed from credit report once payment is made. I have attached proof of payment in full from my bank account showing that I made payment to XXXX, and also attached a breach of contract. XXXX is in breach of contract for the verbal agreement they made with me to remove the account. This account needs to be removed from my credit report.
Product: Debt collection

Motion for deletion of debt due to cramming charges law suit XXXX federal trade commission vs XXXX. I had XXXX around said time, left due to cramming charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached and FTC report and a highlighted picture of a XXXX account that is reporting inaccurate information which is a violation of the FCRA and needs to be deleted asap from all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax information services, XXXX and XXXX are continuing to report inaccurate information on my credit reports after failing to validate my dispute letters that I sent to all three of the CRA 's about an account which is being reported inaccurately. ( XXXX XXXX  XX/XX/XXXX Charge-off ) I spoke with the manager a minute ago at XXXX  XXXX  in XXXX ( XX/XX/XXXX ) ( XXXX ) about the data that is being furnished by the CRA 's and he mentioned to me that an " AUD '' document to uniformly correct the information on my credit reports was to be made and yet it shows that the reporting is still inaccurate and not what they provided especially with Equifax Information Services XXXX
Product: Credit card or prepaid card

On XX/XX/2021, I attempted to add {$400.00} to my XXXX gift card using my Citibank credit card. My Citibank credit card was charged {$400.00}, but the money was never desposited on the gift card. I filed a dispute with my credit card company and with XXXX. Citibank says that they have been unable to get XXXX to reverse the charge and XXXX has been giving me the runaround on the transaction. At this point I just want the {$400.00} refunded since I no longer trust putting the money on to a XXXX gift card. It has been four months since this occurred and the problem is still not resolved.
Product: Checking or savings account

I have consistently made rebuttals and claims within the past few weeks with chime. I had money fraudulently taken from my account. I live in New Jersey, was at work and received multiple fraudulent charges totalling of $ XXXX dollars. Each charge was {$24.00}. Not only that, afterwards there was another charge of $ XXXX that luckily got denied because the funds weren't in the account at that point. I made a claim, and for weeks I've been tossed around like the issue doesn't matter. I keep getting things back saying they think " no error has occured '' ... how would it be possible for me to made transactions in XXXX XXXX XXXX when I was working in New Jersey and didn't even have my phone. I submitted a rebuttal, submitted proof of my work schedule, location, as well as the locations of the charges. 

Not only that, I got a new different card in the middle of that, and the fraudulent charges happened again. This time for {$10.00} and {$25.00} from XXXX XXXX. I was asleep at this time. After that, another charge of over $ XXXX tried to come out at an XXXX jewelry place. I spoke about this and submitted a claim again, and again, same result. It was denied and asked to submit a rebuttal. This bank is either scamming people in these scenarios even when they get proof. This may even most likely be happening to many other customers. This is ridiculous.
Product: Checking or savings account

Between dates of XX/XX/XXXX-XX/XX/XXXX my account was charged several times in overdraft fee by Chase system not upholding to the feature of Over Sraft Assist. In addition the poli y states no more than 4 fees will be charged at a time where at times I'm charged 5-6 times. In addition to the latest fees of being charged due to an error of a double hold of one check deposit. I received an email from Chase requesting that I needed to re deposit the check because the issuer of the first check did not sign. The check was re deposited but they never released the first hold. 

I have attached screenshots of everything I'm stating.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 @ XXXX, I received 2 text messages on my cell phone claiming to be from Chase Bank Fraud Dept @ XXXX, case # XXXX. First message asked if I had attempted {$200.00} at a XXXX XXXX XXXX 2021 in Georgia -- I did not. Second message asked if I had made a XXXX payment of {$2000.00}. Both asked me to reply XXXX or XXXX. After replying NO @ XXXX I received a call from XXXX @ XXXX to discuss the remedy for this fraudulent claim. The person I spoke with, XXXX XXXX, walked me through the " process to remove the scammer '', XXXX XXXX, from the Chase XXXX account. He claimed I had to authorize another {$2000.00} transaction to remove this scammer. I followed his instructions for another {$2000.00} and I am now out a total of {$4000.00}. Chase claims they have no responsibility to restore my funds even though the scammer used the XXXX transfer pay process to access my account. Incredibly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, JP Morgan Chase XXXX XXXX Bank XXXX XXXX and XXXX XXXX XXXX all jointly own XXXX but claim it is a third party they have no control over and are not responsible for any of its transactions.
Product: Debt collection

I am receiving multiple phone calls from multiple different phone numbers related to Midland Credit Management. They don't leave a message. They call myself and my wife multiple times on a daily basis. I sent MCM correspondence in XX/XX/2019 letting them know of my situation, yet the repeated calls continue. The last letter I received from MCM was an acknowledgement of receipt dated XX/XX/2019. I would like for the calls to stop.
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters to TransUnion, XXXX, and XXXX to remove incorrect information on the dates ( XX/XX/ and XX/XX/ ). I havent received any information regarding these disputes. I have asked for them in writing and i have not received any information at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$460.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported bankruptcies on my credit report. I requested the description of the procedure used to determine the accuracy and completeness of the information within 15 days. Also, I requested the name, address, and telephone number of each person contacted regarding these accounts. I formally requested any documentation bearing my signature. Any automated response or XXXX verification is unacceptable. I received a response stating bankruptcies were verified but no documentation.
Product: Vehicle loan or lease

I used TD Banks Bill Pay feature many times to pay for utilities, so I didn't think twice about using it to pay for my auto loan. I began using Bill Pay for my auto loan in XX/XX/2020, scheduled for the XXXX of every month. However, I have since found that there are exactly 9 payments that were deposited 10 days past the due date, and the auto loan provider ( XXXXXXXX XXXX  ) charged me late fees in response to it. I requested images of all the checks sent to XXXX at a TD branch, which were provided, to match up the checks with a list of late dates I received from XXXX. I spoke with someone from TD about this, and they assured me that the checks are sent out earlier than the scheduled date to ensure there are no problems, but that doesn't exactly help me in this situation. It's clear that there is an issue with the whole process, and I should not be penalized with a fee for using a TD Bank feature. Bill Pay is flawed. 
I already filed a complaint with XXXXXXXX XXXX  and their response is just as dismissive as their staff when I spoke to them numerous times.
Product: Checking or savings account

On the XXXX of XX/XX/2025 through the XXXX of XXXX, fraudulent charges were made on my account through an XXXX account. I contacted my bank and filed a report with them, as well as a report with XXXX, but my bank has denied my claim. I spoke with them on the phone on XX/XX/XXXX about reopening the case, but was denied again.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inaccuracies and or negative items on my credit report that need to be fixed. These items are not reporting correctly according to the law. See letter attached for a detailed explanation
Product: Debt collection

National Business Factor is reporting a medical collection to my credit report at all 3 credit bureaus. 
I have no idea what this collection is for, and I'm positive it doesn't belong to me. 
I wrote National Business Factor demanding some sort of proof but they have ignored my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am starting to question the capability of this bureau on their investigation. Investigate properly and please update for 100 % accuracy. 
DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF EDXXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF EDXXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF EDXXXX  XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX  ) XXXX Balance {$0.00} XXXX XXXX XXXX {$43.00}
Product: Mortgage

NOTICE OF ERROR The servicer must acknowledge receipt of a Notice of Error within five days ( excluding holidays, XXXX and XXXX ) after receiving the notice, rather than the twenty-business day period under the former law. See Reg X, 12 C.F.R. 1024 35 ( d ) 9effective XXXX XXXX, XXXX ). 
1 ) The mortgage servicer Select Portfolio Servicing , Inc. ( SPS ) deemed my application for loan modification complete as of XX/XX/XXXX, per the attached SPS correspondence dated XX/XX/XXXX. In said correspondence, it states that if any scheduled sale date is in place, SPS will contact the attorney to have the foreclosure sale postponed. SPS failed to reach out to their counsel XXXX XXXX XXXX to request a postponement of sale while the review of modification was taking place. 

2 ) Select Portfolio Servicing, Inc, ( SPS ) kept the sale date of XX/XX/XXXX, on record and denied the loan modification within 6 calendar days of completion notice. Although the notice states they may need roughly I am not convinced my loan was probably reviewed for all options. In addition to the denial, it states I could consider a Deed in Lieu as an alternative option to foreclosure. However, because of the sale date being in place, I was not provided the opportunity to apply for Deed and Lieu.

3 ) Select Portfolio Servicing, Inc, ( SPS ) also states in the same denial the right to appeal and the protection provided during the 30-day appeal period. Such protection mention are No foreclosure sale will be conducted and you will not lose your home during the appeal period and if a date of sale is scheduled, SPS would advise attorneys to postpone the sale. SPS failed to advise their counsel XXXX XXXX XXXX to postpone the sale scheduled for XX/XX/XXXX. 


4 ) The actions of Select Portfolio Servicing, XXXX are consistent with XXXX XXXX. XXXX XXXX occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. This practice violates federal law ( 12 C.F.R. 1 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion credit reporting on XX/XX/2020 to alert that I had some items on my credit report that I was disputing. This was necessary because I knew that I would probably need to secure a loan due to the COV19 issues that were beginning to drown XXXX XXXX. Transunion alerted me that they had contacted the companies and the reporting companies submitted automated validation of the debt. 

On XX/XX/2020 I sent certified letters to the companies asking that they provide the same validation to debt to me that they provided to Transunion including documentation in the form of ledgers, signed forms, etc that support the debt. 

The companies did not provide validation in the 30 days as required by the FCRA. Therefore, I sent a letter to Transunion to advise them of the results of my debt validation request. 

I believe that XXXX has not acted in good faith with requiring that the companies valid the debt they are reporting. Secondly, the companies did not act in good faith by providing me with the debt validation documentation that I requested. 

I am now asking for CFPB assistance because these incorrect issues on my credit report are causing me irreparable harm. I am a XXXX XXXX XXXX XXXX XXXX and your urgent assistance to survive. Thanks