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

This will be my FINAL ATTEMPT to have this fixed. I have disputed with LEXISNEXIS that the listings under SECTION 9 : Insurance Policy Records and SECTION XXXX : XXXX XXXX XXXX XXXX do not belong to me. For the very last time before I filed a claim in the court of law for violations of the Federal Credit Reporting Act, I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). I have found that there are fraudulent items listed on my cosumer report. Under Insurance Policy Records and Automobile Insurance Claim Records, I never had a policy with XXXX and I do not know who is XXXX XXXX that is listed on those records with my name attached. I haven't had a current drivers license in over 10 years. I do not know how my name got attached to Insurance records listed on my consumer report. One thing for sure if I have to file a lawsuit for failure to removes this fraudlent records I can prove to te court of law that these do not belong to me. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following fraudulent items I wish to dispute on my cosumer report for the very last time is : SECTION 9 : Insurance Policy Records and SECTION 10 : Automobile Insurance Claim Records. By Federal law you are requested to list complete accurate information and you are listing fraudulent items. I have attached a copy of my Identity Theft report with this complaint as well. I trust that LexisNexis will do the right thing and remove these items from consumer report immediately.
Product: Credit reporting or other personal consumer reports

Chase Bank In accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 usc1681 section 602 states, I have the right to privacy. Under 15 usc 1681 604A section 2, a consumer reporting agency can not furnish an account without my written instruction. IN XXXX XXXX XXXX, there was a company illegal using my business account at Chase Bank which caused the account to close. This caused issues for me in the past with other banks i told them of the issue and they refused to solve the issue there are several reporting issues on my consumer report which caused me to be denied a business account therefore unable to create payroll.
Product: Debt collection

On XX/XX/2024 I received a call from XXXX XXXX. She told me that there was an urgent legal matter, and that I needed call another number to find out what it was. She also gave me a case number. 

I then called the number XXXX. A XXXX XXXX answered and told me they were trying to collect a debt. They would not give me any information other than it was from XXXX XXXX  and the amount I owed. She told me that I would be going to court unless I settled at 50 % of what was owed. She said her company was XXXX XXXX. I gave her my email so she could send me the documentation to review. 

I got a XXXX XXXX with very little information, as well as a space to put my credit card number. I did not do this and instead researched my credit information. My credit is completely clean. 

On the document it had a website : XXXX  This website does not exist. 

I then emailed her XXXX XXXXXXXX and told her that this information they had is not correct and that they needed to supply more documentation. The XXXX XXXX was then cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my free credit report from aXXXX and it wouldn't let me see my Experian credit report. gave me this message " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland credit Management was sent a debt validation letter and failed to comply. They also received a cease and desist letter to completely cease all communication with and about me to all mediums and consumer reporting agencies and an statement letting them know that I never gave them written or oral consent to report any information on this alleged debt. Midland has ignored these demands.
Product: Credit card or prepaid card

UPDATE -- THIS IS REVISED COMPLAINT -  XXXX  Subsequent to my filing the first complaint, there are  2 n ew facts.     Previous complaint -- I have  XXXX   Capital One  credit cards. We transferred {$11000.00} to the older card, called  Capital One t o state it was in error. We then transferred same amount to  Venture Card . Capit al One ca lled use about a fraud alert and somehow both cards kept this transfer. We paid off  Venture but Older Capital One has charged us {$210.00} interest on this amount and inte rest is still accruing. We have paid off the other charges on time in full.     Today,  XXXX  provided a letter that states that  Capital One ref used a {$11000.00} wire on   XXXX   XXXX  , and has not cashed a certified check sent on   XXXX   XXXX  .  Capital One provided the wrong address evidently but the venue that received the check has not forwarded the check internally.      We have spent hours trying to get this resolved.     Today a supervisor told me that they could not waive the interest even though they have refused  2  payments prior to the first payment deadline after which they charged us this interest.     We have asked  XXXX  to cancel the check and deposit such funds in our   XXXX    checking account and then pay the e Capital One  Card. This was not rocket science to fix. I dont get it
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry from my credit file. XXXX XXXX XX/XX/2022
Product: Student loan

FedLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685.      In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited  to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments o n weekends. The text of operative legal language is included below. Note that the law requires that borrowers be given to the prepay the debt AT ANY TIME. Therefore, FedLoan limitations are illegal . 685.211  Miscellaneous repayment provisions. ( a ) Payment application and prepayment.  ( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary  applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal.  ( 2 ) A borrower may pr epay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount due, the excess amount is a prepayment.   XXXX   XXXX     XXXX  Very truly yours, /s/  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have been trying to reach out to this credit card company about my dispute that was made back in early XX/XX/2018. The credit card is through XXXX XXXX and is issued by XXXX. XXXX handles all their customer service support and XXXX XXXX is behind the scene, with no way of reaching them. After I filed a dispute, they did not provide a provisional credit, therefore, the interest on the balance continued to increase, therefore, I ended up paying my balance. A month later they asked for additional information via mail, which I responded via mail. I have constantly been reaching out for a status and they just continued to say they were working on it until today, XX/XX/XXXX, I get an internet response on my follow up question, stating that they did not receive any additional information that was requested. It is now almost 5 months later, and I am at a loss with my money. This is {$270.00} plus the interest that had been tacked on. 

I had a trip to XXXX for XX/XX/XXXX through XX/XX/2018. We received a car from a rental company that continuously stalled on the roads during our first day of receiving it, therefore, was unable to use it. I am also going to mention that we received this car later than our requested time due to the car not being ready and shuttle pick up problems. We returned the car the next day upon their opening and was asked to wait a very long time for the new car to be provided to us. We booked the car for XX/XX/XXXX-XX/XX/XXXX. We ended up not accepting the next car due to the long wait and the wasted time that it caused us and booked through another company. Essentially, we did not get to use the car rental services at all because of this problem. I asked them for a refund and it was refused by the very rude XXXX. I am still pending status on this dispute with my credit card company until this day.
Product: Mortgage

Hurriane Ian damage, our insurance carrier issued a check in both the homeowner and Mortage company, which was not a problem, however we can not get our funds form the reverse mortgage company, they have a contracting service called XXXX XXXX XXXX is administer claims like this. They will not release the funs after 10 months. We can not complete the repairs, we lived with mold in our house for 8 months, had mold migration .and now waiting for XXXX to schedule the work Now they say we defaulted, because they said we did not pay the taxes for XXXX, which we did, and we are getting the documentation from our bank to resolve this issue. Property tax is a matter of public record which anyone can check. We do not have the funds to pay for repairs, we used all of our savings right after the Hurricane for immediate. 
.needs. Between the nasty letters, leaving messages at our doorstep and countless hours
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX, and this complaint isn't under any influence of anyone else and this is not a third party. I have been disputing an incorrectly reporting account on my XXXX report, as well as unknown inquiries on my XXXX and Transunion reports. This derogatory account is not on my XXXX or Transunion reports. I am trying to start a business and in order to get funding I want to make sure my credit is being ACCURATELY REPORTED. I have disputed this account and inquiries MULTIPLE TIMES with no fix. I tried calling on the phone but was met with a foreign representative in the fraud department. I asked to speak to an American representative but was put on hold for HOURS. Something is wrong with these bureaus. I do not understand why they are abusing consumers .They kept lying telling me they disputed it and its not reporting but it kept reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the inquiries and it's been XXXX  days and they record the calls and admitted they had my police report and FTC and affidavit. That was after attempting to contact Transunion more than XXXX times. These companies are supposed to be protecting consumers. They need to be corrected and I wish they would listen. they are causing me severe XXXX and stopping me from getting funding for my business which is horribly stressful PLEASE HELP I'm extremely frustrated.
Product: Credit reporting or other personal consumer reports

I just received a copy of my credit report and I see fraudulent activity. Will stop me from maintaining credit and buying a new house.
Product: Debt collection

I am writing to you with a matter of utmost urgency and severity regarding the fraudulent accounts associated with your company. It has come to my attention that there are accounts linked to my name without my authorization or consent. This egregious violation of my privacy and trust can not and will not be tolerated. XXXX XXXX XXXX XXXX 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

Failure to removed the XXXX XXXX account that was verified as identity theft.
Product: Vehicle loan or lease

Koalifi miss lead me on payments.Charged me an outrageous amount of intrest. Took several unauthorized payments from checking account.Refused to work with me on lowering my payments or extended them.countinue to increase my payments.
Product: Credit reporting, credit repair services, 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 Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I received student loans while a graduate student ( XX/XX/XXXX-XX/XX/XXXX ). Upon graduation I started making payments through XXXX XXXX in a timely manner, and have never missed a payment. I Consolidated my loans at some point, XX/XX/XXXX I believe, and switched to the minimal payment plan at some point. 

I heard about the loan forgiveness program after working 10 years for a state agency, several years ago and assumed I was covered because, since graduation, I have worked for a state university since graduating. 

I found an article describing the forgiveness program and submitted a request to be considered as my tens years was coming up. I was immediately told I had to switch to XXXX XXXX ( by XXXX XXXX ) because they were they only loan company handling the forgiveness program, so I filled out the paperwork and had the loan switched to them. Throughout, I have continued to make payments every month on time ( they are directly drawn on my bank account ). 

After the account was switched ( XX/XX/XXXX ), I submitted the PSLF form to XXXX XXXX, who then informed me that I did not qualify because of the type of loan payment plan I had been on. Of course, I was never told by XXXX XXXX, or my other student loan company that the forgiveness program was dependent on the type of loan payment plan. Obviously, had I known, I would have switch. 

I feel I was duped in two ways : 1 ) by not being told about the ins and outs of the forgiveness program by either of the student loan companies ( XXXX XXXX or XXXX XXXX   ) ; and 2 ) for being told I had to switch to XXXX to to have my loan forgiven, only to find out I did not qualify ... I see this as bait and switch type promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On complaint # XXXX Experian advised that the alleged bankruptcy was verified by the data furnisher, however they have still failed to tell me who the data furnisher is that they verified this information with. 

Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information. 

I have filed multiple disputes and CFPB complaints requesting for Experian to provide the information for the data furnisher that they are alleging verifying this information with. 

How is this information accurate if XXXX nor XXXX is reporting the information. Experian is the only credit bureau reporting this inaccurate information to my consumer file. XXXX XXXX does not have this alleged bankruptcy on my consumer file and the Courthouse advised me that they do not verify bankruptcies with credit reporting agencies. By law you MUST tell me who the data furnisher is that you claim you are verifying this information with so that I am able to contact them. 

This is defamation of my charter, and you all are causing me a great amount of stress. 
I will again ask who is the data furnisher that you verified this alleged debt with? 
If you do not provide me with this information, I will be forced to proceed with legal action against your company for violating my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue with late payments on my credit report. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and the creditor has failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter promptly and effectively.
Product: Credit card or prepaid card

My XXXX  has an Apple credit card from Goldman Sachs and he has a banking app on his phone where he can view transactions and make payments. He mainly got this card so that he could make installments on Apple products. However, he can also buy things outside of Apple, but they are subject to high interest. He sometimes uses a desktop web browser to access his account online. We noticed that on the web account, the total balance is shown, but the individual day-to-day transactions ( that we can see through his phone app ) are not shown and only appear the next month, AFTER the monthly statement is generated. We think ALL transactions ( pending and charged ) should clearly appear in the online account and match that of the app for transparency and better financial management. The missing info in the web-browser version makes it difficult to differentiate between the Apple installment XXXX versus regular XXXX purchases as only the total balance is shown. The user interface for both the app and browser versions are not intuitive and almost seem to be designed to confuse the consumer on purpose.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX charge-off XXXX XXXX XXXX charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In my reports a closed account with huge amount of missed payments. Bestbuy/Cbna is not mine charge-off account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The reason for this complaint is to delete incorrect information on my credit reports. The incorrect information is an unauthorized inquiry from XXXX XXXX XXXX XXXXXXXX on the date XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX agreed to have this inquiry removed, sent the removal request to all three credit bureaus but so far nothing has happened to my credit file. I attached a copy of their letter. Simply they requested that all three credit bureaus remove this unauthorized inquiry from my credit file but so far there has been no action from Experian, XXXX and XXXX. I am devastated by their lack of action. 
Please make sure that this matter is taken care of promptly as existence of this incorrect information is unjustly causing harm to my credit file. 
Thank you in advance for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX acct. # XXXX is reporting incorrectly. This ongoing and continuous violation of the Fair Credit Reporting Act is causing me undue stress and a defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX Account XXXX. Original Creditor : XXXX XXXX XXXX XXXX amount {$380.00}. 

XXXX XXXX Hospital in XXXX, XXXX sent a bill addressed to XXXX XXXX to my home address inXX/XX/XXXX. I immediately took the bill to their Med Rec Dept and was told another person 's account was linked to mine and I was assured it was fixed. After speaking with the dept. and researching records myself, the account belongs to a XXXX XXXX XXXX of XXXX XXXX XXXX XXXX. XXXX, XXXX. The collections appeared on my credit report XX/XX/XXXX. I contacted XXXX at the number above and filed the dispute with XXXX on XX/XX/XXXX. I confirmed my last name has never been XXXX and I have never lived in XXXX. Public records and my credit report demonstrates this. XXXX said the XXXX Policy for the patient is XXXX, policy holder is XXXX XXXX. She said she would file the dispute yet the collection remains active on my credit report. To make matters worse, the hospital closed 2 years ago so I can not get help from them on this matter.