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

In a previous complaint, Case # XXXX, LexisNexis stated they had updated my file and sent me a resolution letter as well as an updated copy of my consumer file, satisfying their obligation under FCRA. 

However, in the letter they sent to you ( attached ), they stated they had ALREADY sent the file and letter to me. That letter to you was dated XX/XX/2019. 

In metro-XXXX area, a letter takes at most 2 days for delivery. They have my correct address listed on the letter to you. 

I believe LexisNexis is continuing to violate the FCRA unless you call them out on not doing what they said. I need that file for my records. 

Thank you for any and all help you may provide me. 

XXXX XXXX
Product: Credit card or prepaid card

My wife and I both have had  XXXX  hard inquiries from Chase Bank on our credit report as a result of someone trying to fraudulently acquire a n Amazon Visa Credit C ard. Our credit reports show the these applications were submitted from an address we lived at almost 5 years ago.   The  XXXX  inquiries were on the following dates ;  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  I contacted  Chase and they assured me the inquiries would be removed in 6-8 weeks. I am reporti ng this for the simple fact that this is happening to many others across the United States. This needs to be looked into immediately.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to appear on my credit report despite several written requests, which violates federal law. I previously sent a letter to the three credit bureaus on but I have not received any response. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the FCRA, these accounts must be accurately verified. If they are not validated, I will be compelled to pursue legal action. I strongly urge you to comply with the law and resolve this issue without further delay. 
XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$9100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

Student loan debt was paid in full over two years ago and states paid off on credit reports. I do not owe this company for a student loan that has been paid off in full. False representation and fraudly trying to collect money. I contacted company and they state debt still owed but that in incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. On XX/XX/XXXX, someone claiming to be me, opened an account with XXXX XXXX XXXX through XXXX online using my ssn, birthdate, and address which were available on the dark web after the XXXX Target breach. The person used my maiden name, XXXX XXXX, which I haven't used since XXXX and took out a loan for {$16000.00}. I called XXXX and XXXX after receiving the welcome packet for the loan saying this was not me, and they said not to worry about it as they put it in their fraud department. Later I got a letter with a late fee. I called again and they seemed to act like they understood. Then I was sent a letter from a collections agency. I called and said that this was fraud. They sent the case back to XXXX. Now XXXX is asking me to prove that it isn't my account. They asked for my identification, a dispute letter from identyTheft.gov and a note from TD Bank proving fraudulent activity. I gave them all the information, except the note from TD Bank because that is not my account. They said we looked it up and your name is on the account. TD Bank has tons of accounts with the name XXXX XXXX. I called TD Bank and they did not have any accounts open with my ssn, phone number, or address. Because my information did not match up and XXXX had only given me the last 4 digits of the account number, they could not help me. XXXX won't listen and says I have less than 30 days to prove that is not my TD Bank account or they will assume that the loan for {$16000.00} is legit. XXXX allowed a person to take out a large loan without asking for anything but a name, birthdate, address, and ssn. They did not ask for identification. I asked them and they confirmed that they don't with online loan requests.
Product: Credit card

Im disputing the {$600.00} charge from merchant, XXXX, for a car rental voucher. On XX/XX/XXXX, I arrived in XXXX XXXX and was told by XXXX that the voucher had an error that could only be corrected by XXXX. I called the merchant on XX/XX/XXXX but was unable to reach anyone. Since the merchant was unreachable and there was an error in the booking, I had to use my BoA credit card to purchase another car rental booking, this time directly with XXXX. 
On XX/XX/XXXX, I called the merchant again, didnt reach anyone, and left a voicemail describing my issue. To this day, the merchant has never reached out to me via phone or email. 
I initiated a dispute with BoA against this merchant in the amount of {$600.00}, on XX/XX/XXXX. BoA did credit my against in the amount of {$600.00}, although I had to spend additional money to secure a car rental which shouldve been taken care of with the original booking made with merchant XXXX. 
On XX/XX/XXXX, BoA took an action against me with a balance adjustment in the amount of {$600.00}, seemingly siding with the merchant. BoA hasn't reached out for me to provide additional supporting documentation neither do they provide a secure portal to upload relevant documents. For this reason, Im requesting BoA to settle this dispute in my favor in the amount of {$600.00}.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX  I was a victim of identity theft, I received notification of a hard inquiry on my credit report which I did not apply for. This was with Syncrony Bank for a XXXX I contacted the company and received no help, I previously went through this website and received a letter from Syncrony Bank stating they would remove it do to fraud and identity theft. It stated it would take up to 60-90 days, this was 6 months ago and it still hasnt been removed.

I am asking for help getting this removed in a more timely fashion
Product: Checking or savings account

I open my first checking account with wells Fargo in XXXX maybe XXXX. I deposited a check for XXXX and my account was frozen for 21 days with no valid explanation they said it's because I deposited the check using drive through and it was frozen. My bill fell pass due my friend who recommended me opening the account lended me the money so I can limit late fees. In XXXX of the same year I went in for a simple transaction at the office on XXXX. The representative lured me into opening 2 new accounts. Couple weeks later I went to withdraw money but I was checking at least {$250.00} worth of overdraft fees. I was so upset I closed all my checking accounts and kept the credit card which I have to this day. 
In addition my account was hacked and Wells Fargo offer protection. The protection expired recently in XXXX.
Product: Debt collection

I C SYSTEM INC at XXXX. XXXX XXXX XXXX XXXX, MN XXXX has been sending me collections notices in the amount of {$640.00}. Account # : XXXX. This collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. I've disputed this account in the past, they did not provide me with any type of verification leading to the account being removed from my XXXX  and XXXX. But XXXX is still reporting it as debt.
Product: Mortgage

I almost lost my house about 4 years ago and Chase Home finance worked with me thru modification. I had also asked them about dropping my interest rate from 7.25 .They replied make timely payments for a year and we 'll consider it. Its been 2 years and nothing They then used the excuse about not having a high enough credit score. So after that mom passed away I came across some cash and paid my house payment several months ahead Well Chase Is still not willing to work with me on my interest at all I have also been getting help on my credit score and Chase still has n't seem to be interested in helping me. When I gave Chase the money to get ahead several months I could of taken that money and done something else But I chose to pay Chase my house payments early. To show them Im serious about my home. Now Chase is telling me my house payment is going to increase Because of no funds in my escrow account. How is this possible especailly when Chase was paid several months ahead. I do not think Chase is handling my account correctly or handling it professionally ( escrow account and mortage ). All I want / need is to please drop my interest rate.They will not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, per the FCRA, I notified PennyMac that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Product: Debt collection

I am disputing 2 negative medical collections from Online Information Systems ... {$120.00} and {$87.00}. I am unaware of any medical treatment being rendered resulting in the alleged amount being owed. I contacted the credit bureau via mail and advised I did not recognize the entry and requested proof of contract that would validate the alleged debt. I never received the initial 30 day letter required by law with the option to dispute otherwise this would not be an issue. I attempted to reach out to the company directly to resolve but was unsuccessful In each attempt during corona virus due to quarantine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written numerous letters since XX/XX/XXXX to the 3 credit reporting agencies ... XXXX, Equifax, & XXXX to this date XXXX-17 they have not provided me with the original signed documents that I have requested to provide me proof all alleged accounts being reported are really mine. I have requested proof in writing that over XXXX hard inquiries that allegedly belong to me, still dont have proof in written original documentation that I signed from any of the 3 CRAs to verify these hard inquiries. I have requested that any unverified/unknown and/outdated accounts be removed from my credit reports ... there are many inaccuracies and unverified accounts on my credit reports that continue to show up on my report ... its been way over 30 days time period to verify unknown accounts or accounts over 7 years old and mail me written original signed documents to proof all accounts to truly belong to me and are being reported correctly in amounts alleged due. All closed accounts have been requested to be removed nothing as of XXXX-17. I have informed CRAs that I havent been late with any of my payments ... if so prove to me in written documents the dates late to any accounts ... still nothing & still bringing down my credit score.
I find it very stressful that my life has to be on hold because of my low credit scores reporting from these three agencies. Due to this inaccurate, unverified reporting on my credit reports I have been denied rentals, credit, loans, & mortgages etc.
I have spoken with a lawyer in regards to this matter its bought much undue stress into my life. The law states if not provided with written original signed documents in 30 days they have to delete items from report, section 609 states this the CRAs are not following these guidelines.. I have never received verification with my original signature from any of accounts that are on my credit reports its been well over 60 days as of today date.
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 XXXX  Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX 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 XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX5 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

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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

Capital one is holding my direct deposit. I was supposed to get paid Wednesday & I still have nothing. They havent made any announcements or sent any emails. I have had my power disconnected and phone will be next.
Product: Credit card

My wallet was stolen years ago, perhaps XXXX at this point. There were a small dollar amount of charges on my credit card that I disputed. I asked for proof from the company that the charges were mine since they insisted they were and I did not receive anything. I have attempted to dispute this ever since it happened. A police report was filed at the time. I can not prove they are not mine - it would have been their job to prove they were.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern,Please consider this letter as a formal, written grievance against the mishandling of the federal loan account ending in  XXXX and, the subsequent disputes regarding an erroneous delinquency reported to the credit bureaus, to include XXXX, Transunion  and XXXX. I implore you to review the inconsistencies within your internal emailing system and the misstatements given by your managing account specialists. Moreover, I would like to bring your attention to two phone conversations held with federal loan specialists, in which the first agent provided contradictory information to that of the 2nd representative.Initial call took place onXX/XX/2019 at proximately XXXX XXXX. Please track sequence and review this call. Within this call, the representative scoffed at me to imply that I was lying about ever submitting a deferment.  The federal loan account specialist confirmed with upmost certainty that there was absolutely no record of Any deferment documents in her system. Her condescending tone was quite discouraging therefore, I allowed her to terminate the callWithout resolve. She advised, as you will hear from the recording, that without a confirmation email, no receipt could be verified. Later that evening, I called and advised that I would record the call for quality assurance. The call had to be transferred . XXXX (XXXX sequence number) was gracious enough to review file. After searching multiple times, she was able to confirm my deferment documents. This leads me to believe that when the deferment was confirmed over the phone previously , that the file was mishandled, file was not denoted and I, misinformed. This has caused a great deal of emotional distress upon me. I have pleaded for assistance but, instead I’ve been ignored and bullied by the federal loan team. I have attached phone records for your reference so that you may locate calls and I have printed both confirmation emails.This is my last attempt to resolve amicably.If not able to resolve, I will retain counsel to litigate these matters. Please be advised that a copy of this letter and supporting documents will be provided to credit bureaus. Regards.
Product: Mortgage

XXXX, 2018 I sold my condo, OCWEN was the original mortgage holder and now it has transferred over to XXXX. Although my home was sold in 2018 the mortgage company never reported my payoff and closed account to the credit agencies. When ever there was a late payment they had no problem reporting late payments but because I was cover by a XXXX, I never added my home to the bankruptcy list of creditors because I was still paying OCWEN monthly up until I sold the condo. I never knew that it was not reported because I had no reason to check my credit until recently, in which I notice that OCWEN who is now PHH did not report. I sent several notifications to PHH notifying them that this may have been overlooked and if they could please correct. PHH responded that my account was paid in full and closed and they will not report to any credit agency but will provide a letter stating that I sold my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help transunion is reporting inaccurate information on my credit report I wrote to them on XX/XX/XXXX and XX/XX/XXXX and they never responded. these items are causing harm to my ability to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.