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

I recently received my LEXIS NEXIS Consumer Credit Report as used for insurance and other financial matters. There are multiple errors and entries including but not limited to incorrect addresses, incorrect names used and other false information. I want the opportunity to immediately correct and remove ALL FALSE information from their files and database. 

Because of their system error, this process to receive information and correct it has taken almost 2 months and I am still being penalized by companies with whom I would do business. So their error filled and erroneous reports are causing me harm and causing me to suffer loss. I wish this stopped immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached files. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have called my lender XXXX Wells Fargo XXXX 3 times trying to start the process of removing my PMI. They have refused all 3 times to let me do this. I settled on my home on XX/XX/2011. I bought an older home and have rehabbed it so that I know if I had an appraisal I would be well over 80 % equity in my home. They told me that their guidelines require me to have PMI for 5 years and can not have an appraisal done. My PMI is {$100.00} per month and that would make a tremendous difference in my monthly payment. They have refused to send me what their guidelines are regarding these deadlines. I have had another mortgage lender look at my paperwork and there is nothing there that states this. They have been extremely hard to work with. I lowered my home owners ins 2 years ago by XXXX per year and they wanted to up my payment XXXX per month. It took 2 years to get to the right payment. Please help me with this issue. Over 4 years the amount of my PMI to them would be over {$5000.00}. I am not asking them to pay for the appraisal.
Product: Mortgage

In XXXX I applied for a loan with XXXX XXXX, this loan closed on XX/XX/XXXX. In XXXX I received notice that the loan had been sold to Citibank, I received XXXX letters as required. Last week a call came into my office, I am the office manager, from Citibank to verify my employment. I have not signed a release for Citibank to make such inquiry, I did not apply for a loan with them they purchased the loan. I advised XXXX XXXX from Citibank that they did not have my permission to make inquires regarding myself and that I would file a complaint with the appropriate departments. I did inform my employer of this and emphatically stated that I did not give permission for my personal information to be released to Citibank. Today XX/XX/XXXX forms arrived at the office asking for information regarding myself. As a rule it would be something I would handle, I did forward a copy of the documents to my employer. I would like to stress that I am not behind in my loan payments they are made on time each month. This is an invasion of my privacy and I feel violated and therefore want to file a formal complaint against the bank.
Product: Money transfer, virtual currency, or money service

I did a Zelle transfer and I lost my money because it went to the wrong person
Product: Credit card or prepaid card

I have been trying to pay my Comenity Victoria 's Secret card bill for over a week now. Can not use the card for purchases. I tried accessing their website to pay my bill and they are having a system outage. I tried calling them and no one is available for calls. This company isn't releasing any information over what is happening NOR are they offering to waive late fees. This has been from XXXX through XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts have been added to my credit report I believe to be a result of fraud. These accounts are unauthorized and unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account.
Product: Consumer Loan

Pinnacle Credit Services , LLC XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Violated the FDCPA by placing an account with XXXX XXXX into collections status with all XXXX credit bureaus without validating the debt of alleged XXXX with XXXX XXXX using XXXX and XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX letter dated XXXX XXXX, 2015 was sent to both party 's requesting validation of this debt which was not responded to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I happened to check out what was going on with my credit report. I noticed an inquiry that does not belong to me. Please remove this from my credit report immediately as this is poor judgment with on my credit worthiness. 

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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX - DATE OPENED XX/XX/XXXX
Product: Debt collection

on XX/XX/XXXX Pressler & Pressler LLP address XXXX XXXX XXXX XXXX, new jersey XXXX Phone number XXXX, filed case against me case number XXXX XXXX in XXXX county on behalf of XXXX XXXX, address XXXX XXXX XXXX XXXX OH XXXX phone number XXXX, which was dismissed on XX/XX/XXXX but till today 's date XX/XX/XXXX there is a judgement showing on my credit report by XXXX when I call XXXX they told me to call Pressler & Pressler. when I call pressler & pressler they told me that they have nothing to do with this case. I have to call XXXX  so that 's why I am requsting you to help me with this. there are some more points I want to bring it to you that they did wrong to me pressler & pressler they stated on court that they got all my record indicates that the sources of the address used for service of process of summon and complaint came from plaintiff 's ( XXXX XXXX ) records but my XXXX credit report showing that pressler check my report on XX/XX/XXXX I have the proof if u want I can submit them to I think this is a fraud.
XXXX XXXX  this account they have nothing that 's why case dismiss in court but to missed up my credit report they put judgement of current date so please help me to fix my credit report
Product: Money transfer, virtual currency, or money service

Placed an order with XXXX in XX/XX/XXXX for fig trees to be shipped in XX/XX/XXXX. It 's XX/XX/XXXX, and shipments were nowhere to be seen. Seller does not respond to emails, and does not have a valid phone number to be reached. Contacted PayPal, and case was closed due to over 180 days. PayPal had suspended the seller 's account long ago due to fraud, and yet failed to contact buyers that had made purchase with seller. PayPal refused to refund buyer using their 180 day policy even knowingly there was a fraud with seller Seller : XXXX XXXX aka XXXX XXXX aka XXXX aka XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, ECMC promised to remove the tradeline from my credit report ( XXXX XXXX ). There was no confusion ECMC plainly stated to XXXX  that the tradeline belong to XXXX XXXX. This was not a typographical error. In addition, In addition, ECMC and US Dept of Edu. reported to the XXXX back XX/XX/XXXX that the account was opened XX/XX/XXXX. I was not born until XXXX XXXX. Also ECMC, reports allegedly that the account was opened XX/XX/XXXX. Yet the Promissory Note in mention has a date of XX/XX/XXXX and XX/XX/XXXX. Please note this account created by ECMC, US Dept of Edu keep changing the narrative to try place these tradelines on my credit that does not belong. ECMC stated that loans were PURCHASED from US Dept. Edu and XXXX. There are 3 different lines of false credit reporting remains on my credit. ECMC promised to remove their accounts but the are still there causing damage to my credit profile. The XXXX account was closed and was removed from my credit. The US. Dept of Education was also closed and at one point removed. ECMC and US. Dept. of Education has deliberately duplicated the accounts on my credit to over-extend / usage of Credit. The reporting is false. According 15 USC 1681 and 1681 ( i ) All reporting must be reported correctly and false reporting my be removed promptly. Please encourage these reporting agency to make the necessary corrections.
Product: Debt collection

Portfolio recovery. Calls once a week for the past year. I do not owe them anything. They call from a different number every time they are XXXX and many lawsuits have been filed against them
Product: Checking or savings account

Bank of America closes my account XX/XX/XXXX I was phished and fraud was done on account. The bank informed me that my account would be closed and that my XXXX direct deposit would be sent back to XXXX. On the XXXX my direct deposit was accepted. I did not find out until XXXX that they had accepted my deposit. I spent everyday of last week trying to get my payment. Which is every cent I have. I informed them they could not legally withhold my payments as it had protective status. They escalated it 2xs but denied releasing it. Till they close the account and send me a paper check. XX/XX/XXXX. I again told them they were legally obligated to release my funds. On Wednesday the XXXX I went to a branch with the same apology and result. The associate at the branch filed an internal complaint has he realized the stress that the bank decision was putting me under. I also in this process inform the bank of some of the fraud that was done on my account making it easy for easier for them to investigate it. They removed 3 bogus despite totalling {$340.00}. XXXX in Texas was helpful and removed these disputes. 
I received apologies and we escalated it to the department that put the illegal hold on my funds. I requested numerous times to speak to the person who was making this decision or any including legal who can reverse this each time expressing the where violating either Federal law or FDIC rules and regulations. I was informed that it was not possible that this was final decision and my money would ve went by paper check on the XXXX. I told what exactly happened that there was no activity on the account since XX/XX/XXXX not only was the bank at no risk of losing anything that in fact I would follow up with the Consumer Protection Agency. That they were actually putting the bank at risk for not releasing funds that they had no right to hold. They would not give me upper management therefore I am filling this complaint. I request my payment immediately that the bank be sanction as per the law. That I receive my payment the interest from XXXX and any and every fine or penalty that I am legally entitled to by law. I further request that the bank nor be allowed to refuse access so to those making decisions and hide behind digital walls and bank rules and regulations as defacto way of avoiding legal responsibilities of the bank to release protected XXXX funds.
Product: Debt collection

Thank you for taking the time to review the complaint. After the reviewing of all major credit reports, CBY furnished an unfamiliar debt on credit profile. Understanding creditors are obligated to report paid and unpaid debt, however ; never established residency at XXXX XXXX XXXX. Requesting a full method of verification, which is under FCRA 623, will include the following ; signature of the lease agreement, unpaid amount, and how it was generated. Copies of identification along with social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report.

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Bank account or service

I have had a problem with the " Direct Express '' debit master card account! I had XXXX different deposits ( returned merchandise ) from the same merchant into my account on XXXX/XXXX/2016 neither transaction reflects in my account! I have contacted the customer service numerous times to no avail! They refuse to allow me to dispute or file a claim for the money they have received from the merchant, and not deposited into my account. I am seeking your help to get my money from this Direct Express bank.
Product: Checking or savings account

I have a checking account with Capital One and typically get paid biweekly on Thursdays. Thursday morning XX/XX/XXXX my deposit did not hit, and I later found out that Capital One is having technical difficulties. The company sent an email out on Thursday night XX/XX/XXXX briefly explaining the circumstances and that deposits should reflect in accounts on Friday morning XX/XX/XXXX. It is XXXX MT on XX/XX/XXXX and my deposit still is not in my checking account. This is a huge inconvenience and has delayed me making my own payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried so many times to pay this credit card and everytime they add to what I owe. I have been paying them consistently enough to cover my interest and they add extra fees for no reason. This is the second time Ive had this issue with them. I want to pay them off but Im afraid they will claim my money was not in the bank and then im out {$1500.00} because they dont want to give my money back but wont put the correct balance on the account. If this complaint isnt taken seriously, I will be going to the Better Business Bureau and if it still isnt taken seriously, then further action will have to be taken. 

I will include the dates and amounts that I can and the rest I will show documented screenshots from my account. 

I had paid my account down to {$1400.00} and now they pushed it back up to XXXX. Apparently it was at XXXX but I pay consistently so they took it down. Either way the balance is incorrect. 

XX/XX/22 {$16.00} XX/XX/22 {$18.00} XX/XX/22 {$7.00} XX/XX/22 {$20.00} XX/XX/22 {$37.00} XX/XX/22 {$26.00} XX/XX/22 {$56.00} I included another document of a payment I made to them of {$100.00} ( when I created my first complaint on this site ) and more money in the past that Ive paid to them between them and now that they claim was sent back to my bank or that it was never in my account but it definitely posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX,2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent {$250.00}. On XX/XX/XXXX, I sent {$150.00}. This was through XXXX. But I sent to a wrong person who was a scammer. He didn't return the money to me and kept it. I just want my {$400.00} back. I talked to my bank, The XXXXXXXX XXXX  ( Chime ) but they said they can't help me because I initiated the transaction. I talked to the XXXX support as well but they didn't want to refund my money either. I just want justice to be served. It's not fair I was involved in fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX name XXXX XXXX XXXX account # XXXX, XXXX XXXX name XXXX XXXX XXXX Account # XXXX, XXXX XXXX name XXXX, XXXX Account # 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 604 A 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

Subject : Request for Deletion of Collection Account Pursuant to FCRA I am writing to bring to your attention a matter regarding a collection account that appears on my credit report. I have previously requested verification of this debt from the collection agency responsible, XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ) ( 1 ). 

Despite my request, XXXX has failed to provide any verification of this debt or respond to my inquiries within the required time frame under the FCRA. As a result, I am formally requesting the immediate deletion of the collection account associated with Account # XXXX from my credit report. 

Under the FCRA, a collection agency is obligated to verify the accuracy of a debt when a consumer disputes it. Failure to do so within 30 days constitutes a violation of the FCRA. XXXX has not met this obligation, and as such, the collection account should be removed from my credit report. 

The details of the collection account in question are as follows : Collection Agency 's Name : XXXX Account XXXX Amount : {$3100.00} I am writing to express my serious concerns regarding the reporting of a debt on my credit report, which I believe has not been properly verified in accordance with the Fair Credit Reporting Act ( FCRA ) standards. This communication serves as my formal notice of intent to pursue legal action to address this matter.